Every year, insurance fraud costs the U.S. over $308 billion, much of it from property and casualty claims. For commercial property owners, the real risk isn’t just fraud, but the lack of verifiable proof when disputes arise.
SITE Technologies uses drone-based, AI-analyzed imagery to document properties before, during, and after high-risk events—creating irrefutable visual evidence that protects portfolios and prevents loss.
The Problem: Fraud and Disputes in Commercial Claims
- Fraud represents an estimated 10% of all property and casualty claims each year.
- Deloitte projects that AI and imaging technology could help insurers save $80–$160 billion in fraudulent claims by 2032.
- For commercial property owners, the risk multiplies with every asset and every storm:
- Claims denied due to “pre-existing damage”
- Inflated contractor invoices
- Limited proof of condition at time of loss
Even a 5% inflation on a $500,000 roof claim equals $25,000 in unnecessary loss. Multiply that across dozens of sites, and fraud quickly becomes a line-item risk.
The Solution: High-Risk Imagery as Verifiable Evidence
What is “high-risk imagery”?
High-risk imagery is comprehensive visual documentation of properties in vulnerable areas—coastal zones, wildfire regions, flood plains. Using drones, we capture time-stamped photos before and after major weather events, with AI flagging any anomalies or damage. By building comparative datasets across multiple years and inspection cycles, we create an irrefutable visual timeline that shows exactly what happened and when, eliminating the guesswork that typically fuels insurance disputes.
How AI Technology and Supporting Documentation Help the Claims Process
It’s helpful in the claims process to have before and after evidence of the commercial facility that stands up under scrutiny, including comprehensive capture of roofs, facades, and pavement conditions. AI-driven analysis helps provide objective insights that can help to flag inconsistencies between before and after.
Micro Case Study
A major manufacturer that leverages SITE for annual data capture, paving, roofing analysis had the unimaginable occur at one of their facilities – they were in the direct line of an EF-3 tornado. The good news was not a single person was hurt during this weather event, but the same could not be said for their property.
There was massive damage to various buildings at their business campus that resulted in the facility being non-operational until the property was deemed safe. To help expedite this process, the client had SITE perform a post-storm data capture to allow multiple parties access to the high-res imagery to help prioritize immediate repairs needed to resume operations. Additionally, the pre and post imagery was utilized throughout the claim process with their insurance carrier as validation of the loss.
High-risk imagery protects all parties by creating verifiable documentation that accelerates resolution and reduces conflict. Property owners benefit from faster claims processing and fewer disputes, while insurers gain confidence in authenticated evidence. The transparency reduces litigation risk for both sides, aligning their interests around accurate, defensible records—and by curbing fraud, helps ensure premiums reflect genuine risk rather than being inflated by false claims.
SITE Technologies turns visibility into accountability by helping every party document the truth before it’s questioned.
Schedule a pre-storm property assessment and make sure your assets are defensible before the next event. Contact us to learn more.