Artificial intelligence (AI) is gaining traction in a variety of sectors, including insurance. While AI technology can be useful in our daily lives, it also raises real concerns. Specifically, this has to do with privacy. 

Regarding homeowners insurance, AI-powered aerial surveillance has been a hot issue. So, how are insurance companies using AI-powered aerial surveillance in their line of work? Is the use of AI technology in the business a positive or negative development for customers? Let’s explore these questions by reading our article below.  

What is AI-Powered Aerial Surveillance?

AI-powered aerial surveillance entails monitoring activities with AI technology and aerial cameras, such as drones. Surveillance drones allow insurers to assess risks faster, helping determine premium pricing. For example, drones are used to determine the condition of a house from above—well-maintained houses can result in a lower premium, whereas poorly-maintained homes can raise premiums.

AI technology can speed up the evaluation process and eliminate lengthy manual inspections, saving time and cost. However, there are some risks with AI-powered aerial surveillance in homeowners insurance. What are these? Let’s discuss this issue next.  

Risks and Concerns with AI-Powered Aerial Surveillance

The use of AI causes concerns for homeowners. The biggest worry among customers is privacy risks. Understandably, people become anxious when they hear the word surveillance, as this typically means that someone is observing them, and in the case of the homeowner, in their own private space. Looking at the records, customers have the right to be concerned, as drones and AI have been exploited.

While AI technology is advancing, it still needs improvement. The weakness in the technology can create serious issues that undermine customers’ privacy and bring significant disadvantages. 

For example, AI-powered aerial surveillance can result in ‘false positives’. For instance, drones can make a minor issue appear to be a huge one, such as small moss growth. The overly cautious algorithms, in which the AI system can over-identify risks and misinterpret data, highlight issues that are considered normal by human assessors. Instead, these issues are flagged as a significant risk by AI, which can result in higher premiums or even policy cancellation. 

So the question becomes: How can AI be used in the business while protecting clients’ rights to privacy? Insurers must engage in open communication and complete transparency when using AI technology in the work process. As customers, we must understand the insurer’s policy and make their commitment to our privacy a top factor when selecting an insurance agency. 

The Importance of Homeowners Insurance

Western Pennsylvania

Homeowners insurance protects your property in the event that it is damaged. This is especially important in places prone to extreme weather events like Western Pennsylvania. Extreme weather, such as storms, high winds, and heavy snowfall, can damage the roof. Shingles tearing off, collapsed roofs, roof leaks, or tree branches falling onto your home are some potential risks. Homeowners insurance with comprehensive coverage can help you cover the costs of these damages. 

Why You Need Adequate Coverage

If you’re looking for homeowners insurance, ensure you opt for one with adequate coverage. This should include: 

Dwelling coverage guards against weather-related damage, vandalism, and other hazards to the walls, roof, and foundation of the home.

Personal property insurance protects your valuables against loss or damage caused by fire, theft, etc. 

Liability coverage protects you legally if you are responsible for other people’s injuries or property damage, such as guests slipping and falling and injuring themselves. This includes legal fees and medical bills.

If you need assistance finding the right insurers with the right coverage, look no further! Diemert can help you assess your home’s risks and find the best insurance coverage for your needs. 

Protect Yourself from AI Surveillance

Given the many pitfalls that AI has brought to the business, it’s the industry’s job to reassure clients that their use of such technology will not infringe on their privacy rights. Before deciding on an insurance provider, understand their insurance policy and ensure all its terms serve your rights.  

Additionally, engage in regular maintenance to keep your house in good condition. It will protect your home from being determined as high risk, which can result in higher premiums or even policy cancellation. 

Let Diemert Solve Your Problems

The key to solving your insurance concerns is to seek professional assistance to help you scour insurance companies, understand their policies, pick the right coverage, and stay updated with any policy changes. 

At Diemert Insurance, we believe in customers’ rights and are committed to upholding those values by providing transparency. Moreover, our service is personal. This means you receive the attention you deserve to determine the best option that uniquely fits your needs. 

Diemert always puts your best interest first. We’ll help you find the best insurance coverage and provide expert advice and effective strategies to tackle potential future issues, giving you confidence in your decision-making.  

End Note

In this AI age, more and more businesses, including insurance companies, will use AI technology to help them boost efficiency, cut costs, and stay competitive. While the benefits of AI are plenty, there is no lack of concerns and risks. When it comes to homeowners insurance, the primary concern is privacy, which is understandable. There have been cases where surveillance has resulted in significant disadvantages for clients.
Worry less by choosing Diemert Insurance to help you find insurance that offers comprehensive coverage while upholding your privacy.