Fire & Water & House Don't Mix Well
I've started doing 3D photography for insurance claims recently. Not being previously involved in, or experienced in that industry, or ever making any significant claim; it's been a real eye-opener for why we pay for insurance. If we don't have it, the result is catastrophic. Just tour this home that sustained heavy fire damage. It needed to be stripped down to the 'bare bones'. Even then it's going to require major renovations to the rafters and roof. The homeowner and insurance company are hundreds of thousands of dollars apart. Imagine if there were no insurance at all. The Zillow estimate is $1.8 Million, so the cost of repairs has to be close to a new build.
(Click on the pic below to start the 3D Tour)
I made this 3D Tour as an audit of the site to be able to show in a compelling way the extent of the damage. I don't have any idea about the contents and the amount of damage sustained, or even if the homeowner had a good picture inventory of 'what was' pre-fire. I also don't know the statistics on how many people have decent documentation about their home and belongings, but a 3D Tour is a very powerful visual tool (that's easy to use, navigate, and share) for a solid audit. With some auto insurers starting to approve damage claims via a cellphone pic; being able to share a 3D Tour of one's home and belongings may follow. In fact, if everyone had a 3D Tour on file, it would likely save the insurance companies a tremendous amount of money and take out much of the distrust between both parties.
Studies have proven the power of visual imaging and its influence on our brain. Getting a 3D Tour to a decision maker in the 'home office' reduces much of the 'unknown' and helps them experience the reality of the damage. In addition to the impact an immersive visual has, a decision maker walking through the ruins also has an ethereal effect. And if a property owner can get any type of emotional connection from someone, it's a plus for them.
The crawl space was a bit of a challenge but navigating into and out of it is not difficult (except for me when I shot it!). Fortunately the property was drenched in shade which also made shooting the exterior possible and go relatively smoothly.
From the property owner's perspective, the adjuster even discovered a few more items that needed attention, after using the 3D Tour to review the project from their office. Imagine the power of being able to have the owner, adjuster and insurance company all online at the same time, in a conference call walking through the property at the same time.
And the best part is the minimal cost to scan your home and contents. A Pre-Claim 3D Tour for a 2,700 sq.ft. home is only $295. Now that's insurance!