This story on insurance drones is sponsored by America First Credit Union – The member-owned, not-for-profit cooperative financial institution is the largest credit union in the state of Utah.

For homeowners, the process has always been the same.  A storm damages your roof, so your insurance company sends an inspector up a ladder to take a look.

That’s starting to change with new multi rotor drone technology.  Now, some insurance companies send drones to perform visual inspections on roofs.  It could really change the industry, so Rex Rollo of America First Credit Union joined KSL News Radio’s Jeff Caplan to talk about why this technology makes so much sense.

No More Broken Legs, Backs, or Worse

Climbing on a roof is dangerous.  The danger factor quickly goes way up if the surface is in poor condition or the roof is particularly steep.  Even a fall from a single story roof can cause serious injury and death.  

Insurance drones keep your inspector safe by keeping them off the roof.

Your Home Gets Repaired Faster

Human inspectors are not slow.  The problem they have is that accessing a roof safely is time consuming.  Steeper pitches or multiple levels may even require specialized equipment.  They can spend more time setting up and tearing down than the actual inspection.

Rex Rollo , CFO of America First Credit Union believes this is something that can bring down insurance costs. “How much more cost effective the inspection process must be with no ladders to carry around or climb up and down on.  I think it’s a great use of drone technology.”

Hopefully the cost savings can be passed down to the policy holder so your premium comes down.

The Downside To Insurance Drones

There are, however, a few potential drawbacks to insurance drones.

Camera’s may not see everything

The insurance drone footage will still be reviewed by the inspector.  Today’s cameras take very, very high quality images, but looking at damage in a photo is different from getting up close and personal and examining damage with your own eyes and hands.

Regulations Are A Problem

Insurance drones may not be an option for you because of where you live.  Nearby military installations and airports will have rules that could ground your drone and force your inspector back onto his ladder.