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Blog Entries by Susan Williams

Ready for the 2017 Hurricane Season?

June, Too Soon…

Susan Williams    |    Insurance

Residential Hurricane Exposure by Coastal Region

*Tom Larsen co-authored this blog.

You may be familiar with the old hurricane season mnemonic;

  • June – Too Soon (first month)
  • July – Standby (for any news of a storm)
  • August – You must (prepare in case a storm comes)
  • September – Remember (to standby)
  • October – It’s...

Dwelling Data – Pun Intended!

Using Quality Data to Enhance User Experience

Susan Williams    |    Insurance

Couple looking for insurance

Insurers who sell homeowners insurance direct-to-consumer through a website must find that delicate balance between collecting enough information to quote and bind a policy with the possibility of consumer drop-off. Prepopulating data fields using known information about the homeowner and their home is one of the methods that some sites use to ease the data entry burden on the consumer and...

Determining Reconstruction Costs

Home features that have the greatest impact on reconstruction cost

Susan Williams    |    Insurance

Elements of Reconstruction Costs

Reconstruction cost, not market value or assessed value, is used by insurers to determine homeowner coverage limits and is an important factor in determining a policy’s premium. Because of the many variables involved, the estimating tools that insurers use to arrive at reconstruction costs have become much more sophisticated in recent years. 

At its most basic, the...

Claims-worthy Imagery; a Hybrid Approach

New Advances in Aerial Imagery Provide Viable Solution to Claims Adjusting

Susan Williams    |    Insurance

Hail Damage in Wylie TX April 2016

Every day it seems we see something in the news about insurers testing the feasibility of using drones to support claims adjusting. After all, using drones to gather imagery is better than the current alternative, which is to risk a climb by adjustors, engineers and inspectors onto roofs that may already be unstable or subject to additional damage by simply walking on them. However, whether...

Data’s Sweet Spots

Leveraging Data from Trusted Partners to Enhance Insurance Processes

Susan Williams    |    Insurance

Underwriting Workflow

In late 2015, Novarica, an insurance research and consulting company, reported that 7 in 10 Property and Casualty insurers are "planning major enhancements or replacements to their business intelligence/analytics capabilities.” Integrating third-party data into the insurance workflow is a key aspect of this trend. In a report released in May of 2016, the company also noted the aging of...