Sunday April 21, 2019
Home Lead Story Insurance Com...

Insurance Company’s Response To Wildfire Claims Better Due to Technology

In some cases, even before adjusters arrive on scene, claims experts can assess damage from the fires and cut checks by using before-and-after images taken by drones

0
//
California, Fire prevention, wildfires, Insurance
Joe Balog, a workforce management director at Travelers, examines weather, social media and other data from recent natural disasters inside the company's catastrophe response command center in Windsor, Connecticut. VOA

As wildfires raged this month in California, insurance claims experts at Travelers sat in a command center 3,000 miles (4,828 kilometers) away in Connecticut, monitoring screens showing satellite images, photos from airplane flyovers and social media posts describing what was happening on the ground.

Real-time data and technology that were unavailable to property-casualty companies even a few years ago have shaped the industry’s response to the Camp Fire, which has burned nearly 240 square miles (622 square kilometers) in northern California and the 151-square-mile (391-square-kilometer) Woolsey Fire in the Los Angeles area.

By overlaying the data on maps marking its customers’ locations, the company can quickly identify those who are likely to have been affected, said Jim Wucherpfennig, Travelers vice president of claims.

California, Fire prevention, wildfires, Insurance
A controlled burn ignites pine trees on the “Rough Fire” — which closed camps east of Fresno at Hume Lake as it crossed Highway 180 — in the Sequoia National Forest in California, Aug. 21, 2015. VOA

“That allows us to deploy people and resources where they are needed most,” he said.

The same data also can be used to determine risk and pricing for insurance in any given area, said Peter Kochenburger, the deputy director of the University of Connecticut’s insurance law center. Insurers, for example, can use the telemetry to identify local vegetation, wind patterns and fire history. In some cases, it can determine that the owner of one home is more likely to suffer damage than the owner of a neighboring home, he said.

“Does it seem intrusive? It can be,” he said. “They have a lot more information on all of us, on our properties than they had two, five, 10 years ago. That’s a major issue and that’s something regulators are going to have to talk about.”

During the wildfires, Travelers said the information has been used to expedite claims, even in areas that are still inaccessible to inspectors.

California, Fire prevention, wildfires, Insurance
The burned out hulks of cars abandoned by their drivers sit along a road. VOA

Workers were able to see what roads were open and map out spots in Chico and Thousand Oaks to park the RVs that serve as mobile claim centers, the company said. The tools also indicated where customers who evacuated were going to be, Wucherpfennig said.

The glassed-in Travelers National Catastrophe Center is located in Windsor, Connecticut. Modeled after military war rooms, it includes a conference table behind 19 high-definition screens, which display maps, graphs, television images and social media sites, all providing real-time data on the fires.

Also Read: U.S. Officials Find Solutions To Prevent Increased Wildfires

In some cases, even before adjusters arrive on scene, claims experts can assess damage from the fires and cut checks by using before-and-after images taken by drones, aircraft or satellites as well as videos or photos uploaded by customers from their phones. Employees have tools and smart phone apps that can convert those photos into instant measurements, to help quantify the damage.

“We’re able to virtually interact with customers much more easily than we could even in the recent past,” Wucherpfennig said. “We’re also able to monitor all forms of social media in real time. That helps us create an event footprint, which helps us understand how the event is tracking and what type of damages we’re seeing.” (VOA)

Next Story

China’s Political System Helps It To Take A Lead in Artificial Intelligence

The U.S. still dominates in the overall market for self-driving car technology, machine translation, natural language understanding, and web search. China has gained a strong presence in a few segments of these businesses, largely because of its vast domestic market.

0
Software
Watrix employees demonstrate their firm's gait-recognition software at their company's offices in Beijing, Oct. 31, 2018. VOA

Recent technological advances demonstrated by China have started an intense debate on whether it is set to take a lead in the field of artificial intelligence, or AI, which has extensive business and military applications.

U.S. concerns about China’s AI advances have also influenced, in part, the ongoing trade negotiations between Washington and Beijing. Both the United States and European Union are taking measures to stop information leaks that are reportedly helping Chinese companies at the expense of Western business.

But many analysts are saying that Chinese corporate and defense-related research in areas like AI and 5G wireless technologies can thrive on their own even if information from the Western world is shut off. China is already reportedly leading in several segments of businesses like autonomous vehicles, facial recognition and certain kinds of drones.

FILE - People retrieve their parcels from a JD.com driverless delivery robot in Tianjin, China, Nov. 12, 2018.
People retrieve their parcels from a JD.com driverless delivery robot in Tianjin, China, Nov. 12, 2018. VOA

The U.S.-based Allen Institute of Artificial Intelligence recently captured attention when it reported that China is a close second after the United States when it comes to producing frequently-cited research papers on artificial intelligence. The U.S. contribution is 29%, and China accounts for 26% of such papers.

“The U.S. still is ahead in AI development capabilities, but the gap between the U.S. and China is closing rapidly because of the significant new AI investments in China,” Bart Selman, president-elect of the Association for the Advancement of Artificial Intelligence, a professional organization, told VOA.

Political advantage

Chinese President Xi Jinping has in recent months encouraged Communist leaders to “ensure that our country marches in the front ranks when it comes to theoretical research in this important area of AI, and occupies the high ground in critical and AI core technologies.” He also asked them to “ensure that critical and core AI technologies are firmly grasped in our own hands.”

Analysts said China’s political system and its government’s eagerness to support the technological advancement were key reasons it could build infrastructure such as cloud computing and a software engineering workforce, and become a big player in artificial intelligence.

FILE - Chinese students work on the Ares, a humanoid bipedal robot, displayed during the World Robot Conference in Beijing, Oct. 21, 2016.
Chinese students work on the Ares, a humanoid bipedal robot, displayed during the World Robot Conference in Beijing, Oct. 21, 2016. VOA

Chinese companies enjoy special advantages in deploying new technology like facial recognition, which is often difficult in democratic countries like the U.S., said William Carter, deputy director and fellow in the Technology Policy Program at the Center for Strategic and International Studies.

“China does have strengths in terms of application development and deployment, and has the potential to take the lead in the deployment of some technologies like autonomous vehicles and facial recognition where ethical, social and policy hurdles may impede deployment in the U.S. and other parts of the world,” Carter said.

China’s capabilities in image and facial recognition are possibly the best in the world, partly because government controls have made it easier to generate data from a wide range of sources like banks, mobile phone companies and social media.

“These capabilities arise out of the use of deep learning on very large data sets. In general, China has the advantage of having more real world data to train AI systems on … than any other country,” Selman said.

Other areas where China has shown significant advances are natural language processing (in Chinese only) and drone (unmanned aerial vehicle) swarming.

“China also has unique capabilities that are not found in the U.S. or Europe. I’m thinking of electronic payment platforms [e.g. AliPay] and the super app WeChat that provide an advanced platform for the rapid introduction of further AI technologies,” Selman said.

U.S. role

Last February, U.S. President Donald Trump signed an executive order asking government agencies to do more with AI.

“Continued American leadership in artificial intelligence is of paramount importance to maintaining the economic and national security of the United States,” Trump was quoted as saying in an official press release accompanying the order.

Critics have said that Trump’s order does not suggest enhanced government investment and plans for attracting fresh talent in AI research and development, which is essential for growth and industry competition.

FILE - Children react next to a security robot patroling inside a residential compound in Hohhot, Inner Mongolia, China, Jan. 18, 2019.
Children react next to a security robot patroling inside a residential compound in Hohhot, Inner Mongolia, China, Jan. 18, 2019. VOA

Gregory Allen is an adjunct senior fellow with the research group Center for a New American Security. He was recently quoted as saying that the U.S. Defense Advanced Research Projects Agency is spending the most on research and development at $2 billion over five years. In contrast, the Chinese province of Shanghai, which is a city government, is planning to spend $15 billion on AI over 10 years.

“So literally, we have the U.S. federal government at present at risk of being outspent by a provincial government of China,” Allen said.

China’s AI capabilities have limits. They suffer from major weaknesses in areas like advanced semiconductors to support machine learning applications.

“At the end of the day, when it comes to most major AI fields, China is not the technological leader and is not the source of most foundational innovations,” Carter said.

Also Read: Mueller Report Confirms Intelligence Findings About Russia’s Interference in 2016 U.S. Presidential Elections

The U.S. still dominates in the overall market for self-driving car technology, machine translation, natural language understanding, and web search. China has gained a strong presence in a few segments of these businesses, largely because of its vast domestic market.

Despite the competition, collaboration and exchange of ideas occur between the two countries in the AI field, although this aspect is less discussed, Carter added.

“Politically, the dynamic is more competitive; economically and scientifically, it is more collaborative,” he said. (VOA)