Adjuster’s perspective: How one drone flight saved an insurer in excess of £200K

Adjuster’s perspective: How one drone flight saved an insurer in excess of £200K

When it comes to using tech in insurance, it can be difficult to separate the wheat from the chaff. So many claims are made about how technology will enable adjusters to be more efficient and effective but with so much noise in the insurtech space and, regrettably, a number of false dawns, it can be difficult to know who or what to trust.

But taking a conservative, defensive posture in the face of digital progress simply isn’t an option – that is a sure-fire way to get left behind. Which is why at Crawford we carefully analyse, select and trial the range of tools we believe will make a real, practical difference.

This has always been our approach to restoring and enhancing rural lives, businesses and communities and one of the most effective tools we have adopted over the last couple of years is drones.

Think outside the box:

Adjuster's perspective: One drone flight saved insurer £200K

There is an assumption that they are best utilised in flood situations or major loss property claims – basically enabling quick and safe access to areas that humans can’t easily reach. And while that is correct, the applications of drone surveys also go far beyond providing access, as we have found. We started out using drones for flood and property damage claims but recently, we have been using them for core agricultural claims and with impressive results.

For instance, we were recently instructed on an agricultural claim that arose from hailstorm damage to an oil seed rape crop. Just before harvest, the crop was hit by a storm and the hail severely damaged the fragile pods that contain the rapeseed on a large portion of the open fields.

Traditional Approach:

The traditional approach would have been to get the wellies on and measure the perimeters and walk through the entirety of each affected field in a ‘W’ fashion to cover as much of the crop as possible, assessing the severity of damage. Our findings would then be reviewed in conjunction with the combine harvester readouts to try to obtain an estimate of the loss.

Back in 2018, we had discussions with Iprosurv about hailstorm damage to oil seed rape crops and whether drone inspections could assist, and two years later, with this instruction, the perfect claim arose for a trial.

Timing:

It was fortuitous timing as Iprosurv had recently added new equipment to their drones, namely Normalised Difference Vegetation Index (NDVI) cameras. In simple terms, these cameras analyse the different light colour spectrums reflected by the chlorophyll within crop vegetation – healthy plants reflect at a different light frequency to damaged or unhealthy plants.

Open Field Claims:

We are the first adjuster in the UK to use NDVI technology on open field claims, so it was a bit of an educated leap into the unknown, but the tech not only gave us a quick and accurate measurement of the damaged crop but also the overall health and expected yield of the standing crop. This allowed us to compare the expected yield with the yield achieved and indeed the ‘expected’ yield claimed by the Insured.

Enhanced Data:

That is a level of detail we have never been able to achieve before and, for an outlay of around £2,000 for the drone survey, footage and imagery, the insurer was able to make a £220,000 saving on the initial amount claimed. While that was something of a difficult conversation with the policyholder, the rationale for the settlement offered was all there in the data. As they say, the data doesn’t lie.

Despite what anyone might think, the main motivation for any insurer in any claim is to get to a settlement that is accurate and fair – using a drone fitted with an NDVI camera allowed us to do that with pinpoint accuracy in a relatively short timeframe.

Success:

Such was the success of this, we have started exploring other uses for drone inspections and we believe that it could be of huge benefit in environmental damage, aquaculture, spray drift and forestry claims. We could even use it to analyse the health of a potato crop without having to go through the disruptive, time consuming process of digging up the field. The possibilities are almost endless.

Exciting Times:

It’s an exciting time in the world of claims with more and more digital tools playing an increasingly important role. Whilst it’s true that tech isn’t the answer to all our questions, working with the right partners and with the willingness to try new things, we’ve found that you can effectively separate the wheat from the chaff, both figuratively and literally.

Max Perris is an Agricultural Consultant for Crawford & Company

Posted in Drone Tech, Information, Iprosurv News

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Drones and data set to revolutionise the UK agricultural insurance market

Iprosurv, the UK’s leading aerial survey, inspection and mapping provider, has entered into partnership with US-based agricultural surveying specialists, Sentera, in a move that will change the way agricultural risks are managed and insured in the UK.

The deal sees the full Sentera suite of sensors, software and analytics made available to Iprosurv’s existing fleet of over 400 drones. The new capability, a UK first, will enable Iprosurv to bring a new level of analytical detail to crop management and provide growers with the insight necessary to react before a crop is lost.

Using colour and multi-spectral imagery to create a field ‘heat map’, the new tech gives growers and their insurers a level of data and insight that has not been available previously.

The sensors provided by Sentera determine the health of a crop by analysing the light reflected by the crop leaves, down to individual plants. This allows the software to map out the health profile of a crop, enabling growers and insurers to take immediate and targeted remedial action.

This allows insurers to underwrite at a much more granular level which should lead to more accurate premium pricing and claims pay-outs for growers.

Rebecca Jones, CEO and co-founder of Iprosurv, predicted that the new capabilities would fundamentally change the way agricultural risks in the UK are managed and how insurers understand and price them.

Rebecca Jones, CEO and co-founder of Iprosurv, predicted that the new capabilities would fundamentally change the way agricultural risks in the UK are managed and how insurers understand and price them.

“The traditional approach to surveying crops requires boots on the ground, visual inspection and often lengthy analysis of individual plants. This is time consuming and, more importantly, can often be inaccurate but this partnership with Sentera means our drones can provide growers and their insurers with a detailed analysis of a crop’s condition, and it’s likelihood of failure, within hours,” she said.

“With Sentera’s tech on board, our drones can provide minutely specific data on a crop’s condition, predicting the yield and extent of any damage. Farming is becoming more and more automated and specialised and this technology is a significant addition to the modernisation of farming in the UK.”

In a recent Proof of Concept flight, an Iprosurv drone fitted with Sentera’s tech was able to help a farmer’s insurer establish that liability for their crop failure lay with a neighbouring farmer, avoiding a potential £1.5m claim on their record in the process.

Commenting on the partnership and the implications for the UK agricultural sector, co-founder and Director of New Strategic Ventures at Sentera, Greg Emerick, said:

Commenting on the partnership and the implications for the UK agricultural sector, co-founder and Director of New Strategic Ventures at Sentera, Greg Emerick, said:

“We’re excited to be working with Iprosurv to deliver the precision and efficiency of Sentera’s technology to agriculture professionals. Sentera’s solutions provide insights to growers, agronomists and retailers driving economic value up across the agriculture sector by reducing costs and improving production. 

“This same data is also being used to drive efficiencies for crop insurance claims adjusting and policy writing.”

The partnership is now live and the technology available to Iprosurv’s fleet of over 400 drones covering the UK. The capability will also be made available, via Iprosurv, to other drone operators on a commercial basis.

Contact For further information, contact martin.friel@iprosurv.com

About Iprosurv

Established in 2014, Iprosurv provides companies with the in-house capability of drone and data/media delivery services. Our CAMERA system and optimum drone operator platform provides bespoke services be that an on-demand, fully managed service to independent data/media delivery services.

Iprosurv is a pioneer in the provision of drone technology across a range of industries. Its current network of pilots, covering the entirety of the UK, use a proprietary system to record, store and deliver drone data to clients in a fast and secure way. From building surveys to flood response to assisting emergency services, Iprosurv continues to push the boundaries of how drones can be used in business.

Posted in Drone Tech, General Interest, Information, Iprosurv News

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https://iprosurv.com/2021/02/02/an-adjusters-perspective-how-one-drone-flight-saved-an-insurer-over-200k/Adjuster’s perspective: How one drone flight saved an insurer in excess of £200K

https://iprosurv.com/2020/10/15/drones-and-data-set-to-revolutionise-the-uk-agricultural-insurance-market/Drones and data set to revolutionise the UK agricultural insurance market