The Delaware Department of Insurance has issued new guidelines for insurers regarding the use of drones and aerial imagery in industry practices. The bulletin, issued by Insurance Commissioner Trinidad Navarro, aims to address the growing reliance on aerial photography to enhance the efficiency of claim processing, loss assessments, and underwriting.
While aerial imagery can lower costs associated with traditional inspections, Commissioner Navarro emphasized the importance of balancing technological innovation with fair consumer treatment and adherence to regulatory standards. He stressed that insurers must ensure transparency when using aerial imagery and must maintain ethical standards in their operations.
Despite its benefits, aerial imagery has limitations, such as the potential for image distortion, inability to capture fine details, and interference from light and weather conditions. Navarro noted that this new guidance, much like previous guidelines on artificial intelligence, does not aim to prohibit the use of emerging technologies but instead provides clear direction on how insurers can use these tools responsibly.
The goal is to safeguard consumers, prevent unfair business practices, and ensure underwriting decisions are based on comprehensive and appropriate evidence, rather than solely relying on cosmetic property factors.
Delaware Insurance Commissioner Trinidad Navarro
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