{"id":889270,"date":"2016-06-08T11:18:12","date_gmt":"2016-06-08T17:18:12","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=889270"},"modified":"2016-06-08T11:18:12","modified_gmt":"2016-06-08T17:18:12","slug":"insurance-company-drones-may-be-hitting-the-skies","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/insurance-company-drones-may-be-hitting-the-skies\/","title":{"rendered":"Insurance Company Drones May Be Hitting the Skies"},"content":{"rendered":"<p>Kathryn Rattigan and Deborah Vennos | <a href=\"https:\/\/www.propertyinsurancecoverageinsights.com\/2016\/05\/insurance-company-drones-may-be-hitting-the-skies\/\" target=\"_blank\">Property Insurance Coverage Insights<\/a>\u00a0| May 31, 2016<\/p>\n<p>Back in March, our<em>\u00a0Data Privacy + Security Insider<\/em> blog\u00a0reported an increase in the use of commercial drones by State Departments of Transportation across the country. Now, <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/insurers-aig-usaa-receive-ok-to-test-use-of-drones\/\" target=\"_blank\">insurance companies are also getting in the game<\/a>. Using drones for underwriting, determining property values and conditions for policy issuance, inspections and risk evaluations may be more economical, may provide for better response times for inspections of insureds\u2019 properties during a catastrophe, and may increase the safety of insurer employees.<\/p>\n<p>So what does this mean for insurance companies? Well, certain provisions of the Federal Aviation Administration (FAA) Modernization Act may be implicated. Insurers may also consider Section 333 exemption and certificate. Section 333 of the FAA Modernization Act allows the FAA, on a case-by-case, the ability to grant entities the authorization to use certain unmanned aircrafts (i.e. <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/dozers-and-dump-trucks-and-drones-oh-my\/\" target=\"_blank\">drones<\/a>) to perform commercial operations prior to the finalization of the Small UAS Rule. To date, the FAA has granted approximately 5,200 exemptions. All of this applies until a final rule for small drone operations is adopted. Right now, the proposed rule is still sitting in limbo \u2013 the comment period closed back in April 2015. Insurance companies may need to consider whether the employees who will operate the drones (presumably insurance adjusters) may need to get an airman certificate from the FAA.<\/p>\n<p><!--more--><\/p>\n<p>Some state, county and municipal legislatures have passed (or have proposed) ordinances regulating the use of unmanned aircraft systems. Syracuse University\u2019s Institute for National Security and Terrorism has a website that reportedly tracks the status of such legislation throughout the nation. Insurers considering the use of drones may need to keep in mind that local rules regarding the use of drones may vary from the federal regulations, and consider whether the federal law preempts state and local regulations. An interesting question also arises with respect to insurers operating under the National Flood Insurance Program, and whether those insurers would be subject to state and local regulations.<\/p>\n<p><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/usaa-seeks-drone-permission\/\" target=\"_blank\">Drone operations<\/a> may become a more feasible alternative for insurance companies during major catastrophes, and all businesses for that matter; the FAA says that the new rules will be in place soon (supposedly this summer) and the restrictions on commercial drone use may be alleviated a bit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kathryn Rattigan and Deborah Vennos | Property Insurance Coverage Insights\u00a0| May 31, 2016 Back in March, our\u00a0Data Privacy + Security Insider blog\u00a0reported an increase in the use of commercial drones by State Departments of Transportation across the country. Now, insurance companies are also getting in the game. Using drones for underwriting, determining property values and&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/insurance-company-drones-may-be-hitting-the-skies\/\">Continue reading <span class=\"screen-reader-text\">Insurance Company Drones May Be Hitting the Skies<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[1],"tags":[4228,22,3],"class_list":["post-889270","post","type-post","status-publish","format-standard","hentry","category-insurance-estimates","tag-drones","tag-insurance","tag-insurance-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Company Drones May Be Hitting the Skies - Advise &amp; 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