9MARCH 2023information is seamlessly imported into estimating platforms and from there adjusters are provided a highly accurate floor plan that can be used to prepare damage estimates. Robotic Process Automation (RPA) "Simple" losses that meet certain specifications are excellent candidates for RPA. As increasing amounts of data become available to insurers, it can be used to validate claims made by customers. For simple losses,when details are easily confirmed, coverage can be determined and an estimate of the loss created in close to real-time. The level of adjuster oversight can be modified by complexity, allowing for even greater numbers of claims to be processed using RPA.Looking to the future, the biggest opportunity lies in material identification. If pictures are worth a thousand words, augmented reality measurement adds thousand more. However,they don't tell us the specific materials used in the home. Is the wall we are looking at ½" sheetrock, blue board, or plaster? Is the baseboard PVC or wood? Each of these nuances has a direct impact on claim costs, estimate accuracy and customer satisfaction.ITEL has begun to make headway in this space with their mobile app and ability to identify flooring and siding. The real question is who will be able to go further and what technology will be needed to identify all materials in a home quickly and accurately? Can this technology integrate with estimating platforms? Can it be simple enough that a customer can be guided through a process in minutes to write their own estimate?The seamless integration of all of these technologies will have a material impact on the speed and accuracy for how all home insurance claims are settled. It is not outside the realm of possibility that in the not-too-distant future carriers will be able to use weather data, real time satellite/drone footage, on the ground customer provided photos and AI/RPA to accurately settle thousands of claims nearly instantly following major catastrophes. As these solutions are increasingly implemented into the claims process, it will still be important to find the right mix of human interaction and technological applications that will help us not only find ways to make the claims process easier, but more effective. Today's smart phones equipped with Light Detection and Ranging (LIDAR) allow customers to take a handful of photos and, with the help of apps like PLNAR, convert that data into complete 3D renderings of a room
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