Drones and Insurance. Data for both sides of the claim.

Drones and Insurance: Working Both Sides of the Claim

In recent years, drones have emerged as a game-changer in the insurance industry. Their ability to quickly and accurately assess property conditions has transformed traditional inspection and claims management processes. Insurance companies now leverage drone technology to determine if a property qualifies for coverage, evaluate its current state, identify potential liabilities based on location, and document damages for claims. This streamlined approach not only speeds up the claims process but also enhances accuracy and transparency.

At Ascend Aerial Data, we’ve worked closely with numerous insurance providers to document damages caused by weather events, assist in accident scene reconstruction, and even assess vehicle conditions. Sometimes, our inspections reveal properties or items that require no repairs whatsoever—just a detailed snapshot of their present condition. This kind of documentation helps insurers make fair decisions and provides homeowners with clear records of their property’s state before and after any incident.

A New Dynamic: Claims from the Homeowner's Side

Recently, however, we’ve noticed a new trend—one that highlights the importance of understanding both sides of the insurance process. We’ve started receiving calls from homeowners and claimants rather than insurance companies. It turns out that some firms are deploying drones to properties without prior owner notification or consent. The purpose? To validate certain damages or conditions, often with the goal of denying claims, canceling coverage, or imposing penalties.

In many cases, these drone inspections are used solely to gather evidence against the homeowner. The homeowner receives a notification of a problem, a request for repairs, or even a cancellation notice—based, in part, on drone footage obtained without their knowledge. Unfortunately, there’s a gap in the process: while insurance companies often use drones to gather initial data or enforce penalties, they rarely send a drone back to verify whether repairs or corrections have been made afterward.

This puts homeowners at a disadvantage. Without proper documentation of repairs or changes, they’re left navigating a system that’s often tilted in favor of the insurer. They may be required to undertake costly repairs, pay penalties, or lose coverage—all based on initial drone inspections that the homeowner was unaware of and couldn’t respond to appropriately.

Why Homeowners Need a Trusted Drone Partner

This evolving landscape underscores a vital point: if you own property or are involved in insurance claims, it’s crucial to have a trusted, licensed, and certificated drone services provider in your contact list. Being proactive and prepared means you can respond quickly and effectively—whether that’s verifying damage, documenting repairs, or challenging questionable claims.

Having your own drone documentation provides you with an impartial record—proof of property conditions, repairs, or modifications—that can be invaluable when disputes arise. It allows you to “fight fire with fire,” ensuring your rights are protected and that any conclusions drawn from drone inspections are fair and accurate.

In today’s climate, the ability to document your property independently is more than an option; it’s a necessity. By partnering with a certified drone service provider, you empower yourself with the tools and evidence needed to navigate complex insurance claims confidently.

In Conclusion

Drones are transforming the insurance landscape—working both to evaluate risks and to enforce claims. While this technology offers numerous benefits, it also presents new challenges, especially for homeowners who may find themselves at a disadvantage if they’re unaware of drone inspections or lack proper documentation.

That’s why aligning with a reputable drone professional is one of the smartest steps you can take. Whether you’re an insurer seeking thorough, accurate assessments or a homeowner aiming to protect your property rights, having a trusted drone partner ensures you’re equipped to manage the details effectively.

If you’re interested in learning more about how drone technology can safeguard your property and streamline your claims process, don’t hesitate to reach out. Staying informed and prepared is your best defense in today’s fast-paced insurance environment.