Earth Observation images with in situ data to improve claims management in the property insurance sector

2011年的自然灾害造成了历史上最高的经济损失，夺走了世界各地2.7万人的生命。一旦投保风险成为现实，保险公司将指示专业的损失理算师前往危机地区并评估损失。理赔员的报告将被用来解决与投保人就偿还损失或更换财产的索赔。这一想法提出了一种索赔报告服务，使用基于位置的数据、“现场”报告和最新的高分辨率地球观测(EO)图像来加快事件的收集和分析。保险公司可能会更快地估计可能的损失，并迅速解决索赔问题。相关的EO图像/地图将被转发给损失理算师，可能会使用卫星通信。损失理算员从平板设备提交完整的信息，保险公司可以在几秒钟内通过安全的服务器和网络服务查看索赔报告。提议的想法的好处包括：(A)更快的索赔处理和改进的客户服务；(B)提高对正在展开的灾难和潜在损失的了解；(C)更好地实时管理响应的能力；(D)与后台系统集成，降低运营成本；(E)详细的索赔信息，以改进客户主张、定价和风险模型。

Natural catastrophes (CAT) in 2011 were responsible for the highest economic losses inhistory and claimed the lives of 27,000 citizens around the world. Once an insured risk hasmaterialised, the insurer will instruct professional loss adjusters to travel to the crisis area andassess the damage. The loss adjuster’s report will be used to settle a claim with thepolicyholder for repayment of losses or replacement of property.This idea proposes a claim reporting service that uses location-based data, "in situ" reporting,and up-to-date High Resolution Earth Observation (EO) images to speed the collection andanalysis of the event. Insurers may estimate likely losses more rapidly and settle claimsquickly.Relevant EO images / maps would be forwarded to the loss adjusters, potentially usingsatellite communications. The loss adjuster submits the completed information from the tabletdevice and within seconds the insurer may view the claim report via a secure server and webservice.Benefits of the proposed idea include: (a) faster claim handling and improved customerservice; (b) improved knowledge of the unfolding disaster and potential losses; (c) ability tobetter manage responses in real-time; (d) integration with back office systems, loweroperational costs; (e) detailed claim information to improve client propositions, pricing andrisk models.