“The idea behind Image-to-Scope is that by the time the adjuster hits the ground, the estimate can pretty much be written for them.”
- Ron Richardson, Geomni Senior Vice President
For Ron Richardson, Geomni senior vice president, Image-to-Scope was an idea he and his co-workers used to dream of 20 years ago. Working as an insurance adjuster at the time, the idea of launching a probe above a home to gather information about a damaged roof seemed like something out of a Sci-fi movie. Little did he know that he would be a key player in bringing this to reality.
Over the years growing technology has sometimes been used to complicate adjusting rather than simplifying it... When Polaroid cameras were replaced with digital camera’s Insurance companies wanted more pictures to document the file. Carrier requirements have increased and roof structures have become more complex, taking more time for adjusters to sort through and scope losses. Computer software is often complicated and difficult to learn and use. Completing 10-12 hail inspections a day on catastrophe duty used to be common for Ron. Today, adjusters struggle to finish even four in a day.
Several years ago, Geomni began offering aerial imagery to speed up this process but Ron knew they could do far more. “We started talking and asking how we could combine aerial imagery with today’s estimating technology to simplify this process and save adjusters significant time.”
Determined to reach this goal, Geomni gathered a team of experts from within the industry and partnered with Insurance carriers and contractors to answer the question of how to save time while maintaining or improving quality. Soon Image-to-Scope was born and with it the realization of the dream to bring what was taking hours or more, down to the completion of an estimate within minutes.
Organizing and Labeling Images
One of the many areas where Image-to-Scope saves adjusters time is in organizing and labeling images. Airplane, drone, or smartphone imagery is used to create a 3D model of the roof. Next, imagery is overlaid onto the model and as the adjuster marks the damage the tool automatically labels images and writes the estimate scope list simultaneously.
Image-to-Scope also drastically reduces an adjuster’s time in identifying carrier preferences. It can be challenging for adjusters and contractors that work for multiple carriers at once to remember the unique rules of each one. These preferences are all pre-set in Image-to-scope and automatically generated. Jacob Jenson, Geomni project manager for Image-to-Scope, explains how this feature is especially helpful in a CAT situation, “During these situations demand for adjusters is high and they often work for multiple companies. The inconsistency makes it easy to forget or miss things. Many of these adjusters don’t have knowledge of construction processes and workflows. Image-to-Scope provides consistency, leveling the playing field between an experienced adjuster and an entry level adjuster.”
Manual calculations are all automatically done with Image-to-Scope. An adjuster no longer has to figure ice and water barrier, deductions for felt, drip edge, etc. Simply select a face of the roof to replace and it’s automatically mapped. The measurements are then combined with the price list and calculated with just a couple of clicks.
Completed estimates must often go through a quality review to check for errors. Ron notes, “We’ve heard numbers as high as 50-60% of estimates being flagged for errors.” The estimate is then sent back to the adjuster for correction, increasing the life of the claim by hours or even days. Image-to-Scope cuts down these errors significantly.
These are just a few of the ways that Image-to-Scope saves time. Getting set up is easy. You simply tell Geomni what pre-sets you want in the system and they get everything ready for you. Speaking about this process, Jenson says, “We provide you the tools that set you up for success. There are user videos to walk you through the function of the tool as well as support for how to use it. Your questions will be answered very quickly. We help you to understand the concepts behind how everything works and once you understand this, you pretty much understand the entire tool.”
See how Image-to-Scope can save you from 15 minutes to over an hour on complex roof claims. Visit geomni.net today.
Geomni, a Verisk Analytics (Nasdaq:VRSK) business, provides the world's most efficient multitier, multispectral terrestrial imagery and data acquisition, processing, analytics, and distribution-offering the best value through operational excellence.
Using the latest remote sensing and machine learning technologies, Geomni gathers, stores, processes, and delivers geographic and spatially referenced information that supports uses in many markets, including insurance, commercial property, energy, banking, architecture, engineering, emergency response, urban planning, and much more.
Mapping professionals and firms can use the data to accurately understand growth and change, determine damage, discover hazards, assess risk, perform valuations, and much more. Geomni data, tools, and services provide users with critical solutions that protect people, property, and financial assets. For more information, please visit Geomni.net.
Xactware specializes in technologies for the property insurance, remodeling, restoration, and mortgage and lending industries. Xactware’s tools provide claims estimating, contents replacement, claims management, and property maintenance solutions for desktop, mobile, and online platforms. Xactware’s services include repair cost research and reports, aerial imagery, and real-time business intelligence. Xactware has been providing cloud services for customers since 1995. Xactware is a Verisk (Nasdaq:VRSK) business. For more information about Xactware’s solutions, contact Xactware at 1-800-424-9228 or Xactware.com.