确保从空中保险

The hurricane season of 2017 was the most expensive on record, with estimated damages upward of3006亿美元。到recover from such destructive events, communities need financial support, provided by government organisations and mostly insurance companies.

到accurately calculate the cost of damages受影响的区域,因此,正确的payments, insurance companies and their contracted risk analysis service firms need to understand the structures, be it homes or businesses. There is where Geomni, a fully-owned business of risk assessment and data analytics company Verisk, comes in.

Founded in 2012 to bring a critical service in-house, Geomni usesremote sensing and image captureto create complete packages of data for property professionals, from insurance agents to roofers, to accurately provide services to their clients. One of the instruments the firm uses to collect this detailed data is theLeica CityMapperairborne hybrid sensor.

Ensuring estimates

When hurricanes, such as the major trio from 2017 - Michael, Irma and Maria – threaten an area, insurance and risk analysis firms begin crunching the numbers. Teams of mathematicians, statisticians, meteorologists and structural engineers work from combined data sources to make准确估计损坏。

The data includes weather forecasts, projected wind speeds, past insurance claims from similar affected areas, and the structural details of buildings in the predicted path of the hurricane. Knowing the estimated damage costs helps insurance companies setreserves of resources to pay claims, plan where to send accessors, and develop strategic plans for covering wide-spread damage, such as those the 2017 hurricane season caused.

The last data factor, understanding individual buildings, is where Geomni specialises. The complete data packages the firm creates contains detailed information about a property, including measurements for roofs, windows, walls, doors and more. The packages also include the capture of data about surrounding structures, such as patios, pools and landscaped assets. This accurate data gives accessors a在图片前完成when需要进行比较after a destructive event occurs.

“With that understanding, our aim is to capture and process high-resolution aerial oblique imagery and other types of geospatial data of as many properties as possible across the entire United States,”Geomni数据战略高级副总裁Magnus Olson说。“We’ve been able to find thehigh-resolution imagery并简化与CityMapper的飞行过程。对以前条件的这种理解巨大的数据库单个结构is critical to being able to provide prompt, accurate assessments of damage after any event.”

确保简化的工作流程

As a proud, self-sufficient company, Geomni searched for a提供客户更快和更可靠的方法s the detailed imagery需要快速进行损害估计并处理索赔付款。通过区域分散的飞机和配备CityMapper的组合，该公司现在正在提供results in days依靠外部承包商来捕获空中图像时，与其说几个月。

如今，Geomni在整个美国的枢纽中拥有自己的飞机队伍，其中许多配备了CityMapper机载传感器。与世界上第一个混合机载传感器一起，可以在一次传球中同时提供LiDAR和倾斜图像的能力也是bringing new opportunitiesto the firm.

“有两种类型的数据，我们都有更大的灵活性来从事不同类型的工作。”奥尔森说。“Not only can we serve our core markets, like insurance, but we’re also expanding into traditional geospatial markets, such as surveying and mapping.”

由于科学家预测气候变化将继续提升飓风和其他自然事件，因此需要更好地理解受这些自然力量威胁的结构的需求增加。高质量的空中图像提供了一种手段，不仅了解基本结构，还可以建筑物和周围资产的细节that could possibly be affected. The more that is known about these structures, the more capable insurance companies are to provide needed resources and the better able communities will be to recover from disasters.

尽管Geomni支持污染后的响应，但该公司的主要重点是基线图像。同样是与CityMapper收集的基线图像，每年都会收集，每两年一次更新。Geomni的目标是在美国的所有城市和城市地区驾驶15,000或更多的城市地区，并根据客户的独特需求提供量身定制的基线图像。

Geomni提供了各种行业，例如房地产，建筑和美化环境，其核心提供了此基线图像。有关特定属性的详细数据使这些专业人员能够获得对工作进行准确出价所需的信息。此外，推动其对污点后响应的支持，基线图像收集的基线图像以及将CityMapper实施到工作流程中的最初意图，也大大提高了盘前和后供应后分析的价值。

“通过使用基线图像，用户在起草竞标方面更快，更有效；Geomni数据策略高级副总裁Magnus Olson说：“确切地知道他们需要做什么才能完成工作。”“在Geomni，我们的工作是使我们的客户通过为他们提供最准确的数据来完成最佳的工作。”