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Last Post 06/29/2007 11:11 PM by  Gale Hawkins
iPhotoMEASURE - Impact on Adjusting?
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Gale Hawkins
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02/07/2007 5:51 PM

    Folks if  you are looking for a way to cut of the field adjuster just take a tour of what this $100 software package claims it can do. I have no idea if this works or not but you can bet in time it will work and be used by insurance carriers  to aid the homeowner/business owner in gathering of the claims info for the email/telephone adjuster by having the insured just take a digital photo of the loss and this could work for underwriting as well. If you did not trust the homeowner you could hire high school students to drive by after school hours and take the photos and up load them to the carrier, TPA or adjusting firm. I downloaded and printed out one of the required DigiTargets and that is a no brainer.

     

    In the photo you have both the damage and measurements. Do not sell your Disto on EBay just yet. : )

     

    http://www.iphotomeasure.com/detail...c=Standard

     

     iPhotoMEASURE Standard Edition is a revolutionary software tool that enables you to measure anything in a photo taken with your digital camera. This is very useful when physical measurements are difficult or unsafe to perform or when you cannot physically be present to make these measurements.

     

    Features:

    iPhotoMEASURE delivers an innovative dimension to accurate and efficient measurement.
    By simply taking a picture with your camera, you collect all the measurements you need. There is no need for a helper to hold the other end of the measuring tape or take risks on a ladder measuring out of reach areas.  Bring measurements to your computer in a picture.  iPhotoMEASURE software enables you to measure everything you need for quoting, evaluation and appraisal – plus – the measurements are permanently archived for reference. Above and beyond accuracy and convenience is the power of Remote Measurement provided by iPhotoMEASURE. Simply have your customers or associates e-mail you photos of the project, and save critical time and money by not having to go on-site yourself. Use iPhotoMEASURE once and get more than a return on investment.

     

    Applications include Property and Casualty evaluations, Accident Scene, Investigations, etc.

     

     

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    Storm Duty
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    02/07/2007 7:22 PM
    It actually looks like it would be a good tool to add to the arsenal for those times you may forget to write down a measurement or some other error. I can see how it could be construed to eliminate or downplay many adjuster jobs, but I doubt it will be anytime soon.
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    Gale Hawkins
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    02/08/2007 6:15 AM

    I do not understand how the software can determine the size of something that is not on the same plane where the reference mark is placed unless digital photography captures 3-D info. Clearly if it can determine measurements down to the accuracy of 1/32 of an inch it would be useful. On the other hand it would be light years head of the method mentioned where a telephone adjuster mails the insured a disposable camera and ask the insured to take some photos and measurements or worse just adjust the claim based only on a phone conversation. Technology is changing just about everything in our lives and the speed of change will continue to accelerate I expect. If anyone tries the software please report your results.

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    HuskerCat
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    02/08/2007 3:18 PM
    This does raise some concern.  Will I get busted for my fishing trip pics, where the 12-inch walleye looks like a 24-incher by holding out at arm's length?
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    LEBCATADJ
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    02/08/2007 4:15 PM
    I usually approach new things like this with skepticism and try to do a little research to find out if it is good or not. So I did a little surfing. Here are some interesting views and/or information.

    http://www.sas.org/tcs/weeklyIssues.../feature2/
    http://jkontherun.blogs.com/jkonthe...sure_.html
    http://imagejdocu.tudor.lu/
    http://www.edholloway.com/

    There seems to be opinions that the perspective might be a problem and there seems to be programs that are free that could do the same thing. (If I was smart enought to figure out how to use them). This on the surface looks like it could be a useful or helpful program so I am also awaiting others evaluations. In the meantime I am not throwing away my tape measures.

    Now that I have wasted several hours of my time as my wife would put it, I should probably have just bought the damn thing and tried it out.
    However, I am not going to put my crappie pics in it either.
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    Tom Toll
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    02/08/2007 5:20 PM
    Obviously the 7.5x7.5 plate is the instrument to compare measurements. The software utilizes that dimensional plate to make its measurements, in my opinion. It makes comparative measurements based on the plate measurement size. That is all I can figure out. Good idea if it works as describes. It will not replace adjusters though.

    I do agree with Gayle, it must have same plane to do the measurements accurately. You cannot get measurements on an adjacent wall if you don't take a pic of it also. Sounds to me like Disto Blue Tooth is the best way to go.
    Success is not final, failure is not fatal: it is the courage to continue that counts.
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    Gale Hawkins
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    02/10/2007 6:58 PM

    Larry thanks for the links. After a lot of reading I gathered from the comments of others while the software is interesting that it would be of marginal value in settling claims. The fact you have to pay $100 upfront means if it does not work after one demos it than one has spent the $100 without getting a valuable tool. I think the poster on one for the sites you posted mentioned it would take a stereo camera to gain the ability to determine depth of view. That would be in line with my thoughts.

     

    However the fact that the product is on the market insures most likely that the developer or other firms will keep enhancing this type of solution and one day it will be used in the claims handling business.                                                                                  

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    johnpostava
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    02/10/2007 11:50 PM
    This software may not be the answer (as I have not evaluated it) but I assure you if I was a claims exec at Big Red, Blue or any major carrier in the property business I would direct my adjusters (staff or IA or CAT) to fully document every home we have a claim (i.e. every room, every measurement) even if the claim at hand was in one room. Why? Because if there is a second claim and my claims management software says we have all the dimensions, we can adjust it with inside adjusters or preferred contractors, send the insured a check and we are done. 8 out of 10 will take the money and run - the other 2 may require a set of eyes to look it over.

    I hate to bastardize a long time true carpenter slogan "Measure twice, cut once" - carriers should strive to “Measure once, pay as many times as necessary”. I am talking about small claims, not major losses.

    Personally I do not agree with the use of this type of use of technology, but I have spent too many hours in "white carpet areas" of carrier home offices and the bean counters love this stuff. I am old school and believe EVERY loss should be looked at.



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    Gale Hawkins
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    02/12/2007 12:07 AM

    John you hit the nail on the head but on property carriers seem to have short memory for some reason. In the days of paper I can see it made sense to toss all claim files when permitted by law because just to find a file years later was more trouble than it was worth perhaps yet today files go into imaging systems that still require at least one eyeball to retrieve specific claim data after a claim is filed.

     

    Why carriers do not get more excited by mining live claims data is a mystery to me. Many VP’s today are more my age and maybe just do not really understand the value or perhaps IT is still stating it would just take too much digital storage space. It is true we live in an age of digital information overload and there is a real window of opportunity for the people that can show the carriers how to reduce future cost by not repeating history.

     

    The measure once and pay many times is something I have never heard expressed before but it does contain a lot of wisdom. Handling physical claim files makes as much since as handling physical X-ray film today. They have their places but they are less efficient and necessitate rising premiums and can therefore lead to a carrier losing the ability to stay competitive in the market place.  

     

    The iPhotoMeasure concept may not be ready for prime time but that genie is out of the bottle for a long time to come for all of the reasons you stated.

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    Jud G.
    Advanced Member
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    03/23/2007 9:19 PM

    It beats counting the shingles on your monitor to verify that a roof was measured properly or trying to get second opinion for the dimensions of a room that appeared much smaller than what was measured.

    Depending on how seamless this software is, it would be great for in-house examiners or file auditors to use- assuming that they know that this software isn't 100% precise.

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    Gale Hawkins
    PowerClaim.com
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    04/01/2007 2:01 PM

    I found this first link about iPhotoMEASURE interesting. As adjusting becomes more computerize this type of software may take off. If it does I expect the digital camera manufactures may get into the act if the volume demand is great. Some of us may not see it in our day but some day adjusting will be very different on certain types of property losses I am sure. We see from the testimony before congress that carriers made decisions on what to blame on wind and what to blame on water in part from analysis of satellite photos after Katrina. There is a lot of potential for technology. If the new proposals for adjuster qualifications and responsibilities become reality the pool of adjusters will be so small it will force the carriers to look at new ways of doing things. A space shot after a wind event could show the areas with the most missing shingles right down to the addresses with the most damage. A shot a few days later could show who took the step to put on a blue tarp. A shot a few months later could tell who put on a new roof and who just patched things up. Even underwriting concerns like pools, trampolines, new building attachments, etc could be addressed remotely. The tax man could look for info the same way. The Ag department could tell what crops were planted on what acreage and on and on.  

     

    http://www.pitchtheangels.com/pp/co...ter/oid/21

     

    For more on the subject of what is involved in taking measurements with a digital camera (photogrammetry) read the below.

     

    http://www.geodetic.com/Whatis.htm

     

    http://www.univie.ac.at/Luftbildarc.../intro.htm

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    Gale Hawkins
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    06/29/2007 11:11 PM
    I got an email from iPhotoMEASURE a few weeks ago saying they now have a free trial version but when I just looked it is not featured on their site but I did not dig for it.
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