Liberty Mutual Insurance’s commercial property claims unit has added to the technology it uses to quickly and accurately inspect and estimate commercial property claims remotely, reflecting need for physical distancing and in anticipation of what is predicted to be a greater than normal Atlantic hurricane season.
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The unit introduced two new technologies that enable claims to be inspected and estimated virtually. The first enables customers to stream video from the damaged property to Liberty Mutual’s commercial property claims specialists, allowing them to better and more quickly understand the damage. The second, a Liberty Mutual app, lets customers provide images of the damage from a smart phone or tablet, which claims managers use to accurately measure the impacted area, speeding claims estimating and adjustment.
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These new technologies join other investments Liberty Mutual has made to improve responsiveness while also limiting in-person contact by its property claims professionals. For example, the insurer regularly uses updated aerial photography to understand the size and location of property losses. In the event of weather catastrophes, such photography can quickly evaluate damage to commercial property policyholders across an affected area. In addition, commercial property claims teams across the United States already photograph the exteriors of sites after a claim is reported without having to physically connect with a customer or broker.
However, there are times when in-person damage evaluation is the best approach to helping a policyholder quickly rebound from a loss. Â In these cases, which often involve large losses, claims specialists work with customers to make sure they are comfortable with timing, protections, social distance, state rules, and any other considerations around in-person inspections.
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