As technology continues to evolve, so does the way we safeguard and assess our homes. Drones and aerial photography are becoming increasingly common tools in the home insurance process. At Town & Country Ins Agency, we believe it’s important for our clients to understand how these advancements may impact their coverage, claims and overall experience. 
How Drones and Aerial Imagery Are Used in Home Insurance
Many insurance companies are turning to drones and aerial imagery for several reasons. These tools allow for a more efficient and detailed view of properties, which can benefit both insurers and homeowners. Specifically, these technologies may help with the following:
- Inspections—Drones can quickly capture high-resolution images of roofs, chimneys, and other hard-to-reach areas. This helps insurers assess the condition of your home without the need for ladders or manual inspections.
- Claims—After a storm or other event, aerial photos can document damage more thoroughly and safely. This can speed up the claims process and provide clear evidence for both parties.
- Underwriting—When you apply for or renew a policy, insurers may use aerial imagery to verify property details, such as roof condition, structural additions or potential hazards.
What This Means for Homeowners
For homeowners, these technologies can offer the following advantages:
- Faster service—Drone inspections can reduce wait times for both routine assessments and claims.
- Improved accuracy—Aerial photos provide a full view, helping to make sure your property is properly assessed and covered.
- Enhanced safety—Inspections can be completed without putting anyone at risk, such as while on steep or damaged roofs.
What to Expect and How to Prepare
If your insurer plans to use drones or aerial photos, you may be notified in advance. It’s a good idea to:
- Keep your property well-maintained and free of debris.
- Review your policy to understand what’s covered.
- Ask questions if you’re unsure how drone inspections might impact your coverage or claims.
Learn More
At Town & Country Ins Agency, our team is here to help you navigate the latest trends in home insurance. If you have questions about drone inspections, aerial imagery, or your homeowners insurance, contact us today.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.