Author: Jay Mulakala

drones in insurance

How Insurance Companies Are Using Drone Technology To Quickly Address Claims

This article is the first of a 3 part series covering how drones are being used in insurance, civil construction, and mining, and how it affects the people and processes within these organizations.

Drones are increasingly being used in a variety of different industries, including Insurance. PwC calculates the global market for commercial drones to be well over $127 billion. Within Insurance, drones are primarily used to perform residential roof inspections, commercial roof inspections, and roofing assessments. Travelers has used drones to inspect damaged roofs since 2015. The carrier provides insurance-specific drone pilot training to its claims teams; by May of 2016 it had trained 150 pilots and expected to train hundreds more in the next few years. This past year, Farmer’s deployed a fleet to quickly address claims following Hurricane Harvey in Texas. The French global insurer AXA reported in 2016 that it was using drones in a variety of applications in France, Switzerland, Belgium, Mexico, and Turkey.

After speaking with some of the largest insurers in the United States and hundreds of people, I’ve been able to derive the key value proposition for insurers, along with challenges they will face with using the new technology in the years ahead. In this article, I hope to explain not only how insurers are currently using drones, but the people behind the scenes and the processes they’ve implemented in their organizations today.

So where’s the value?

A simple 20 minute flight over a roof could produce 3D maps, elevation models, and calculate roof measurements at a fraction of the cost and more safely than traditional methods today.

A big part of the value proposition for insurers is the ability to quickly address and close claims on-site. To them, time is money. And that’s not just a figurative term. Overall customer satisfaction and customer churn rate is directly linked to the amount of time it takes an insurer to receive, process, and close a customer claim.  Insurance companies are looking for any advantage to cut down on that time. From start to close, claims can take anywhere from a few days to a week on average. Using drones, insurance companies aim to settle claims on site, in many cases, within an hour.

“Overall customer satisfaction and customer churn rate is directly linked to the amount of time it takes an insurer to receive, process, and close a customer claim.”

Companies like Airware, DroneDeploy, and Kespry all offer insurance solutions to enable insurance providers to perform underwriting, loss prevention, and claims assessment services. The business case is simple: to assess claims, drones can go places that are risky for humans: into steep and high properties, fire damaged buildings, places where chemical toxicity is suspected, and into manufacturing plants or other areas that have been subject to natural or other disasters.

So who’s involved?

The personas that regularly interact with drone technology within insurance include in-office claims personnel, regional managers, and field adjusters. The in-office claims personnel are the people that receive the claims, validate and file the claim, assign them to a queue, and transfer them to regional managers to handle the claims. Regional managers are responsible for determining the resources and time needed to address all claims within a region. These managers are even more important during catastrophes as they need to deploy people and resources to the impacted region quickly to help address claims. The field adjusters are responsible for addressing a claim quickly, visiting the homeowner, determining the extent of the claim, and writing a check to the customer.

Additional personas not described in this article but equally as important include underwriters and loss mitigation adjusters.

So what does that process look like?

Let’s take for example a claim had just been submitted by an insured customer in Kansas. The claim is then reviewed, validated, and filed in a claims management system. The in-office claims personnel will review the homeowners policy and check for validity, determine the type of property (location, steep/high roof, etc), and contact the regional manager to handle the claim. Usually, this manager would look at the list of  claims within the region (in this case Kansas), and assign them to individual adjusters based on the need. Many of the large insurers have managers and adjusters as part of a Catastrophe Response team to quickly close claims, as was the case during Hurricanes Harvey and Irma in 2017.

At this point, a claims adjuster within that zipcode in Kansas would receive their list of claims, begin contacting customers to schedule appointments, and plan out their visits day by day. Once on site, an adjuster will inspect the house for damage based on information from local weather data, direction of a recent hail storm, tornado, hurricane, etc. This includes climbing on top of the roof, if necessary, to identify the extent of the hail and wind damage. Many insurers determine damage on a roof by drawing a 10×10 foot test square, determining the number of hail strikes within the square, and classifying the slope as either a repair or replace slope. Using this information, the adjuster can determine the extent of the damage, and use their internal tools to determine how much the home-owner should be paid. In certain cases, the adjuster may need to return to the property to re-assess the damage, or bring in an experience operator for a ladder-assist, to climb the roof, prolonging the claim.

With the current state of drone technology, insurers are using drones to expedite the on-site claim assessment to improve customer experience. Using a drone, an adjuster can perform a quick 20-minute flight over a roof, and automatically identify the extent of the hail and wind damage, without needing to be steep and high certified.

By integrating drones into their claims assessment workflows, insurers can avoid expensive workers compensation payouts due to injuries, can provide a more accurate risk assessment performed using a third party tool that removes individual claims adjuster bias, and increases customer confidence in the claims assessment.

So whats in our future?

While these examples provide a snapshot of the growing use of drones in P&C insurance inspections, they also highlight some of the limitations of current applications. Regulators require drone pilots to maintain line-of-sight during a flight, limiting the range of a drone’s flight. New regulations—and wider use of fixed-wing drones—could dramatically boost this range, with corresponding increases in the amount of property a single flight could cover. Technology and regulation could also conceivably enable greater autonomy for drones in the future, initially allowing a single pilot to oversee multiple drones at once, and even a fully autonomous, and decentralized traffic management system.

The next-generation of commercial drones will have built-in safeguards and compliance technology, smart accurate sensors, platform and payload interchangeability, automated safety modes, enhanced intelligent piloting models and full autonomy, and full airspace awareness. Imagine the future opportunities these drones will open up for insurers.

That’s all for today, but check back next week for the other posts in this series:

Can Civil Construction Companies Justify The ROI of a Drone Program

Mine Planning, Safety, And Regulations Meets Drones



Jay Mulakala has been exploring the drone industry for over 4 years, most recently as the Product Manager at Kespry, working to help build the next generation of cloud applications within Aggregates and Mining, Construction, and Insurance. Jay has also co-founded FreeSkies, a Bay-area drone startup that revolutionized consumer drones for use in professional photography and videography. He is a Part 107 certified remote pilot and offers private aerial photography and videography services through Skyfran Aerial Photography and Videography. Find out more at

Future of Drones

The Future of Drones: 7 Bold Trends for 2018

As we welcome the new year, it’s exciting to hear more about some of the new trends facing the commercial drone industry in 2018. Not only has the industry gained traction, but it’s been brought into the national spotlight during Hurricanes Harvey and Irma. For the first time, the public has an aerial view of the widespread impact of these natural disasters while allowing insurance companies to asses and close claims at record breaking speeds.

Last year, I wrote “The Future of Drones: 5 Bold Predictions for 2017” to summarize some of the key predictions for 2017. We saw many companies rise and fall. Most recently, GoPro announced a series of layoffs and dropping out of the commercial UAV business. DJI released the DJI Spark and a new version of the Mavic Pro. News of John Deere and Kespry teaming up to help construction and mining companies use drones,  the partnership between Caterpillar and Airware, and DroneDeploy releasing an enterprise level solution are all great illustrations of how and where professionals are going to have the best opportunity to get their hands on drones. E

Going into 2018, I believe we’ll see continued growth in the commercial UAV space, and a bigger push from UAV manufacturers, service providers, and startups into the enterprise space as local regulations begin to relax and drones can fly farther, fly longer, and fly autonomously.

1. DJI will continue to grow quicker and faster as they enter into new verticals

DJI has been the unprecedented, market leader in the consumer drone space. It’s estimated they own about 72% of the global market for consumer drones, and even higher when considering their primary product line of prosumer drones (ex Phantom series, Inspire series, Matrice series). DJI has also slowly and quietly been exploring additional verticals and enterprise use cases to propel the company beyond consumer hardware, as can be seen with their entrance into the Agriculture space with the AGRAS MG-1 drone.

2. Drones will become more workflow driven as industries realize their true potential

Today, anybody and their grandmother can buy a consumer drone off the shelf. New services even allow them to monetize their drones by filming residential properties or events. As we begin to see larger enterprise applications open up in agriculture, aggregates, construction, and insurance, the industries will demand a much more robust, efficient system that can easily integrate into their existing workflows. This means better integration of aerial data with current project management software, inventory management systems, and claims estimation solutions.

3. Interconnected systems will allow for larger fleet deployments

As drones move from small innovation groups to larger enterprise deployments, we will begin to see larger and larger fleets being deployed. Interconnected drones, hardware, and systems will make it easier than even for larger enterprise customers to view and and manage a fleet of operators and drones across the organization. These building blocks will help build and shape a more unified air traffic management solution moving into the future.

4. We will begin to new entrants into the space, while others begin to consolidate

As we progress into 2018, we will begin to see the dominant players in the hardware and software space begin to materialize. Today, there are hundreds of scattered drone startups, hardware manufacturers, and software cluttering the environment. The acquisitions and consolidations have already begun, with GoPro leaving the drone industry, and Redbird’s acquisition. On the other end of the spectrum, we will see new entrants putting their hat in the ring. Existing drone programs will enter the mainstream with companies like Intel, Google, and Facebook will begin to take their drone programs from the R&D stage towards productization.

5. New sensors and equipment will allow for new use cases

In 2017, we’ve seen a few organizations begin to use thermal imagery to assist with search and rescue operations and firefighting. As we progress into 2018, we will begin to see additional sensors such as LIDAR (Light Detection and Ranging) become a norm on enterprise UAV’s, allowing them to pierce through heavy vegetation and cover, and detect narrow objects like power lines, pipelines, and roof edges far better than orthomosaic imagery.

6. Regulations will continue to ease up and enable new use cases

We will begin to see progress with Unmanned Traffic Management (UTM) solutions and drone integration, a technology that will be as crucial for the commercial drone industry as the Part 107 certification and drone registrations. The FAA has already begun issuing limited waivers for certain companies to test UAV’s beyond line of sight, and we will continue to see that trend through 2018. Waivers in the future will help increase drone adoption as we can have people in the field managing swarms of drones to perform functions ranging from package deliveries to pipeline inspections.

7. Piloting will become more automated with intelligent mission planning

Today, there are a variety of different tools at the pilots disposal for mission planning, from full manual control, to completely automated systems. In 2018, we will begin to see more advancements in obstacle detection and avoidance, artificial intelligence, the unmanned traffic management system, and ease of controlling fleets of aircraft. Intel has already shown us a sneak peak by flying 250 drones over the Bellagio during CES. These advancements will require mission planning and piloting to become far more automated, providing pilots with limited manual control, but addressing concerns around safety, privacy, and security.

The commercial drone industry shows no sign of stopping, and we can expect to see a dramatic increase in enterprise aerial applications in our communities and around the world.

Additional Resources:

  1. Drone Analyst –
  2. DroneDeploy –
  3. Dronelife –
  4. Cisco Blog –
  5. Cnet –
  6. CNBC –
  7. Commerical UAV News –
  8. Seeking Alpha –
  9. Venture Beats –
  • Header image from The Conversation

Good Product Manager vs Bad Product Manager

Over the past few weeks I’ve been reading “The Hard Thing about Hard Things”, a great book by Ben Horowitz, would definitely recommend for anyone working in fast growing companies or teams that are looking for advice across all facets of a business.

As I was reading through the book, I came across an excerpt written by Ben titled “Good Product Manager/Bad Product Manager” where he walks through some of the good and bad qualities of product managers across a variety of industries.

In essence, he states that good product managers know the market, the product, the product line and the competition extremely well and operates from a strong basis of knowledge and confidence. They are the CEO and owner of that product and they must take full responsibility for the success or failure of the product. They are responsible for right product/right time and all that entails. A good product manager knows the context going in (the company, our revenue funding, competition, etc.), and they take responsibility for devising and executing a winning plan (no excuses).

Bad product managers have lots of excuses. Not enough funding, the engineering manager is an idiot, Microsoft has 10 times as many engineers working on it, I’m overworked, I don’t get enough direction. They voice their opinion verbally and lament that the “powers that be” won’t let it happen. Once bad product managers fail, they point out that they predicted they would fail. They define good products that can’t be executed or let engineering build whatever they want (i.e. solve the hardest problem). They get very confused about the differences amongst delivering value, matching competitive features, pricing, and ubiquity. Good product managers decompose problems. Bad product managers combine all problems into one.

You can read the entire excerpt here:

Drones in Civil Construction – Today and Tomorrow

Today, drones are being used across a wide variety of industries including agriculture, real estate, inspections, mining, and construction. These drones are on the cutting edge of technology, equipped with a variety tools that enable them to track site progress, locate and calculate volume of inventory on a site, and even physically assist with different aspects of a construction site.

At Kespry, we truly believe in the immense value that drones can provide to a variety of industries, and specifically civil construction. At the core of our product is the ease and simplicity of gathering high quality, actionable data.

Imagine being able to gather daily construction status, track your progress to completion, estimate timelines, track inventory and equipment, and be able to share this information in an interactive 3D environment with stakeholders around the world. This is no longer a vision in the clouds. Many aspects are available within the Kespry system today, with many more soon to become a reality.

Read More…

5 Unknown Travel Hacks for the Modern Traveler

After spending almost a year and a half in rental cars, hotel rooms, and flights, with impulse trips to Stockholm, Mexico City, Japan, Macau, and more, I’ve compiled a list of my favorite travel hacks for the modern traveler. Whether you’re a consultant, working remote, or just love traveling, these hacks will be sure to get you room upgrades, first class tickets, and that hot pink convertible you’ve always dreamed of.

  1. Airline Elite Status Challenge
  2. Hotel Elite Status Challenge
  3. Car Elite Status Matches
  4. Chase Sapphire Reserve
  5. TSA Precheck/Global Entry

Image result for airlines

1. Airline Elite Status Challenge

I had gone far too long before I realized the wonders of Airline Elite Status Challenges. What is an Airline Elite Status Challenge? Great question!

Have you every wondered how certain travelers always get the best seats, always board first, and almost always get upgraded to first class? Let me tell you, it’s not always because they’re paying for it, it’s because they have status with the airline and you don’t have to be a frequent traveler to get access. To get the most basic status on most airlines you would need to fly a minimum of 25,000 miles within one year. Those miles may be physical distance flown, or some combination of physical distance and the amount you paid for the ticket. Even this can be hard to achieve if you only fly every few months.

In comes the elite status challenges. Soon after I started consulting, I learned that you could secretly apply for these airline status challenges that will let you earn status quickly if you can prove you fly often. More often than not, this means you would need to fly just 12,500 miles within 90 days to get the next level of status.

Here is a great article from The Points Guy about how to hack the American Executive Platinum Challenge. It’s important to note you may have to pay for some of these challenges or need to qualify first, but definitely worth the challenge.

For American, you can accept a challenge to receive AAdvantage Gold status by earning 7,000 elite qualifying miles (EQMS) within 90 days and paying a $120 fee. Or, you can obtain a challenge to receive AAdvantage Platinum status by earning 12,500 EQMs in 90 days and paying a $200 fee.

To sign up for one of these offers, you can contact American Airlines at 888-697-5636.

For United, it’s a little trickier. They don’t have an outright challenge, but they will match the status on any of their competitors, including American and Delta. Check out their MileagePlus Premier Status Match Challenge page for more details and to match your status.

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2. Hotel Elite Status Challenge

Marriott/SPG, Hilton, IHG, all have similar challenges where you can earn status quickly if you can prove you’re a consistent traveler. Usually you have to wait until you qualify for these challenges, but what many don’t know, is that you can simply call up the rewards line at the hotel and ask to do their Elite Status Challenge.

It’s what I was able to do with both Marriott and Hyatt. Just be prepared to complete the challenge once you start it. If you fail to complete the challenge within the allotted time, you won’t receive status, and you won’t be able to do the challenge again for another 5 years.

Be aware of any potential partnerships between airlines and hotels as well. United and Marriott have an exclusive partnership, allowing status holders on the airline or hotel to match that status to the other. So if you have gold status with United, you may be able to earn automatic gold status with Marriott and vice versa.

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3. Car Elite Status Matches

Same goes for earning status with Hertz, Avis, and many other car rental companies. I will admit, it’s harder to get a status match with Hertz, but it is possible. With Hertz gold, for example, you can get automatically confirmed vehicle reservations, expedited rental service, upgrades, and point’s bonuses. Check with your hotel or airline to see if they offer a match for car rental companies.

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4. Chase Sapphire Reserve

I wrote extensively about the Chase Sapphire Reserve in another article, but I’ll give you the quick and dirty here. With the Chase Sapphire Reserve, you get 100,000 points after you spend $4000 in the first 3 months (worth $2100 with Chase Ultimate Rewards®), $300 annual travel credit automatically applied to your account after each travel expense, $100 reimbursement for your Global Entry or TSA Pre✓® application, access to 900+ airport lounges worldwide, and 3X points on Hotels, Flights, Taxis (UbersLyfts), Restaurants, and any other travel related expenses.

This card along with my status at Marriott has helped me book a $1700 hotel room at the Ritz Carlton in Macau, the Premier suite at the Ritz Carlton in Half Moon Bay, and a $23,000 First-Class Seat on Cathay Pacific from Hong Kong to San Francisco. Definitely a must have for any traveler.

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5. TSA Pre-check/Global Entry

While there are numerous other options for expedited airport security (CLEAR for example), TSA Pre-check or Global Entry is still the quickest and most affordable way to get through security. I almost missed my flight back to San Francisco from Chicago when I was visiting family for Thanksgiving. If it wasn’t for TSA Pre-check, I would have definitely missed my flight. The best part is that with the Chase Sapphire Reserve, you get free credit for TSA Pre-check or Global Entry, and once approved, you’ll have it for 5 years.

While this list is not exhaustive, these are some of the best travel hacks I’ve found during my year and a half of constant travelling. If you know of any other hacks I may have forgotten, comment below!


December of 2015, I went on an 8 Day solo trip through Japan hitting up Tokyo, Kyoto, Mt. Koya, and Osaka. By more one of the most exciting and impulsive trips I’ve ever taken. In this video, I hit up Akhibara, Asakusa, Ueno Park, and of course, a Maid Cafe (If you don’t know what that is, Google it). Stay tuned for my next video on Mt. Koya, and praying with Buddhist monks in the hills of Japan.

ritz carlton macau


During my Hong Kong trip this past winter, after a short soiree through Japan, my friend and I decided to take a quick trip to the Sin City of the East, Macau. As in my usual attitude towards “nothing but the best”, we decided to stay in one of the best hotels we could muster in the Las Vegas of Asia, the Ritz Carlton. We booked the Carlton Suite with a 1 King bedroom, 1.5 marble bathrooms, complimentary wine, and a fully automated bidet, which I’ll get to in just a minute.

Ritz carlton macau

No joke, this hotel room was 13,500 HKG for one night, which converts to about $1700 USD a night. Using my Chase Sapphire Reserve points, we were able to reserve this room for only about 40,000 points.

Getting to the hotel was a challenge in itself, as we navigated the maze that was the Galaxy Macau complex with 6 different hotels, 3 Michelin star restaurants, and a massive casino.

We took the elevator up to the 51st floor to check into the hotel. In front of us were two large desks, occupied by two receptionists, and surrounded by rather large vases. Towards the back were sweeping views of downtown Macau. You could see the Macau Tower, MGM Macau, and Wynn Macau, amongst a few. I sat down at the desk as a woman checked me in, asked for the usual information (although a bit skeptical at what a 23-year-old such as myself was doing at a resort like the Ritz Carlton), and proceeded to give me details about the room.

We took the elevator down to the 35th floor, walked down a long, calmly lit hallway lined with even more large vases, and stepped into the Carlton Suite.

rtiz carlton suite macau bedroom

The king bedroom had it’s own chandelier, love seat, tv, automated curtains and blinds, and was connected to the luxurious, top to bottom, marble bathroom.

ritz carlton suite macau bathroom

The bathroom was covered in marble, had its own chandelier, hot tub, his and her’s vanities, a rain shower, a powder room, and a fully automated bidet with a remote control. This was the most advanced toilet I’ve ever seen, even compared to Japan, with buttons to lift up the seat, light-up the bowl, and even air it out.

ritz carlton suite macau living room

The living room had more vases, a little study area, a half bathroom, a wine cabinet, and another bed.

ritz carlton welcome package

Before arriving, the staff had laid out a welcome package for us, complete with a complimentary bottle of red wine, and assorted fruits, chocolates, and macaroons.

ritz carlton

They even wrote me a hand written letter to welcome us to the Ritz Carlton. Now that’s some VIP service!

view from ritz carlton macau

Overall, we had a great time in Macau. The Ritz-Carlton was one of the nicest hotels I’ve ever stayed at in my life. It’s unfair to compare Macau to Sin City. It’s another animal entirely, and definitely a city worth visiting again!