Yes to your question Leland. Does any one think this possible. A claim is reported to a large claim center for the USA. The adjuster downloads to the next adjuster up on the computer Adjuster 2 request for the aerial photo of the building.Adjuster 2 and phones the insured and ask has any changes been made to the house since the policy was rewed. The answer is no, this gives the SF under roof. The loss is a grease fire in the kitchen. You ask the home owner to label all rooms with a name starting with the main entrance. The owner then visits each room and talk intos the digital recorder while shooting all walls ceilings and floors. You then ask the insured to return the digital camera within 24 hours in the carton it came in. When the adjuster gets the camera he down loads it into a computer and the computer writes an estimate of the damage from smoke to all the walls, ceiling, floors and contents. This loss is settled within 72 hours after it was reported; UNLESS it was delayed by the insured.
Manpower hours call center national .5 hrs Discuss, send camera.
Adjuster who review's audo and video, for correct dimentions etc. and accurate scope by visual inspection 1.0 hr
Quality control back in call center .5 hrs.When camera arrived from overtnight it has 2 vendors listed who's is work guaranteed by the insurance company to do work for amount of check plus a check for the Ded. After the check is issued a letter is sent to the mortagee that the damage amount is in the insureds hands abd the contractor will send in a happy insured affidavit and the security is not impared. The loss amount is $20,000. and the IA service bill is $900.00. The insurance company just saved 8 hrs. of fee bill time. or 80% less than an outside IA assignment. Now what is left out?
People will always have to convince, negotiate, correct, resove problems. I do not see any problems on this one, if one comes up give it to people.
Now how do you keep ever one honest. watch adjuster 2 and the contractors for kickbacks. watch contractors for supplements.I think its a matter of time, just make sure these adjusters live in the USA.