Ensuring insurance from the air

2017年飓风季节是有记录以来最昂贵的，估计损失向上$306 billion。为了从这些破坏性事件中恢复，社区需要政府组织和主要保险公司提供的财政支持。

Toaccurately calculate the cost of damages为了受影响的地区，因此，进行正确的付款，保险公司及其合同的风险分析服务公司需要了解这些结构，无论是房屋还是企业。在这里，Geomni是一家全拥有风险评估和数据分析公司Verisk的业务。

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 CityMapper机载混合动力传感器。

Ensuring estimates

当飓风（例如2017年的主要三人组）（迈克尔，艾尔玛和玛丽亚）威胁着一个地区，保险和风险分析公司开始崩溃。数学家，统计学家，气象学家和结构工程师的团队从合并的数据来源工作accurate estimates of damage。

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.

最后一个数据因素，理解各个建筑物，是Geomni专业的地方。该公司创建的完整数据包包含有关属性的详细信息，包括屋顶，窗户，墙壁，门等的测量。这些包装还包括捕获有关周围结构的数据，例如露台，游泳池和园景资产。此准确的数据为访问者提供了complete before picture什么时候comparisons need to be made发生破坏性事件后。

“有了这种理解，我们的目标是捕获和处理全美尽可能多的属性的高分辨率空中倾斜图像和其他类型的地理空间数据，”say Magnus Olson, Geomni senior vice president of data strategy.“We’ve been able to find thehigh-resolution imageryand streamline our flying process with the CityMapper. This understanding of the before condition of anenormous databaseof individual structures对于能够在任何事件后提供及时，准确评估损害的评估至关重要。”

Ensuring a simplified workflow

As a proud, self-sufficient company, Geomni searched for afaster and more reliable way to provide its clients the detailed imageryneeded to quickly make damage estimates and process claim payments. With the combination of regionally-dispersed aircraft and each equipped with CityMapper, the firm is now providingresults in daysinstead of months as the case used to be when relying on outside contractors to capture aerial imagery.

Today, Geomni has its own fleet of aircraft at hubs strategically located across the United States, many of which are equipped with CityMapper airborne sensors. The ability to provide both LiDAR and oblique imagery in one pass with the world’s first hybrid airborne sensor is alsobringing new opportunities致公司。

“With both types of data, we have greater flexibility to take on different types of jobs,”said Olson。“Not only can we serve our core markets, like insurance, but we’re also expanding into traditional geospatial markets, such as surveying and mapping.”

As scientists predict climate change to continue elevating hurricanes and other natural events, the need for better understanding of structures threatened by these forces of nature increases.High-quality aerial imageryprovides a means to not only understand the basic structure but also thedetails of the building and surrounding assetsthat 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.

Though Geomni supports post-disaster response, the company’s main focus is baseline imagery. Also collected with the CityMapper, baseline imagery is collected on a yearly basis with bi-annual updates. Geomni aims to fly all cities and urban areas in the United States with a population of 15,000 or more, and it makes tailored baseline imagery available according to customers’ unique needs.

Geomni serves a variety of industries, such as real estate, construction and landscaping, with its core offering of this baseline imagery. The detailed data available on particular properties enables these professionals to have the information needed to make accurate bids on jobs. Furthermore, driving its support of post-disaster response, the baseline imagery Geomni collects, and its original intention of implementing CityMapper into its workflows, also significantly increases the value of pre- and post-disaster analysis.

“By using the baseline imagery, users are quicker and more efficient in drafting their bids; knowing exactly what they’ll need to get the job done without overages,” said Magnus Olson, Geomni senior vice president of data strategy. “At Geomni, our job is to enable our clients to do the best possible work by providing them with the most accurate possible data.”