Drone technology has rapidly evolved from novelty to necessity as businesses discover its capabilities, and insurance is no exception. Carriers that offer homeowners insurance or business insurance are now deploying drones with excellent results, transforming the way both homes and commercial buildings are inspected. In a fraction of the time it takes for manual inspection, a small drone will hover above your roof, capturing every detail — cracks, missing shingles, and signs of wear.
Why are insurance companies using drones for inspections? The answer is simple: Drones provide clear, high-resolution aerial imagery that helps insurers spot maintenance issues and identify risks faster than traditional methods. This technology can deliver valuable insights, but it often surprises policyholders who may not realize how much can be seen from above. Staying ahead of required maintenance is more important than ever to avoid unexpected repair demands or changes to your insurance policy. Knowing what drones look for helps you avoid surprises and maintain secure coverage.
Why Insurers Use Drones for Roof Inspections
Insurers use drones because they are safer, quicker, and more effective than traditional methods that rely on ladders and clipboards. Drones capture high-resolution images in minutes, reducing risk for adjusters and speeding up inspections after storms.
The technology provides detailed documentation that reveals:
- Shingle condition and granule loss
- Structural integrity and sagging areas
- Storm damage from hail or wind
- Drainage problems and standing water
Most home and business policies now include drone inspections. Commercial buildings receive extra attention due to their size and complexity. Insurers utilize drone images to identify risks early and help prevent costly claims.
What Drones Can Spot on Your Property
Drone cameras reveal problems you might not see from the street. Watch for these common warning signs.
For Residential Properties
- Cracked, curling, or missing shingles
- Water pooling in valleys or low spots
- Moss or algae growth, a sign of moisture retention
- Tree branches touching or overhanging the roof
- Damaged flashing around chimneys and vents
- Aging roof systems approaching their expected lifespan
For Commercial Buildings
- HVAC equipment showing rust or deterioration
- Debris accumulation on flat or low-slope roofs
- Compromised drainage systems
- Punctures or tears in the membrane roofing
- Deteriorating parapet walls or roof edges
Drone footage of roof damage can lead to carrier repair requests, premium adjustments, or policy non-renewal. Conversely, new roofs (under 10 years) or impact-resistant materials can result in premium reductions and stronger negotiation at renewal, potentially lowering costs. Your local agent can help identify savings.
How To Prepare Before an Inspection
Staying ahead with regular maintenance protects your property and your insurance. Take these steps before your next drone inspection:
Schedule Regular Professional Inspections
Schedule a licensed roofing contractor to inspect your roof every few years, or after a major weather event. Professional eyes catch small problems before they appear in drone photos or escalate into bigger headaches.
Complete Routine Maintenance
Clean gutters and downspouts to prevent water damage. Trim back tree branches that hang over your roof. Remove debris, moss, and algae as soon as you spot them. These simple steps keep your roof in top shape.
Budget for Replacement
Most asphalt shingle roofs last 20 to 25 years. Commercial roofs vary. If your roof is getting old, start planning for replacement now. Waiting can leave you with fewer choices, less time to finance and higher costs.
Document All Repairs
Keep detailed records of every repair. Save invoices, take photos, and store copies of contractor certifications. Good documentation proves you fixed problems before renewal time.
What To Do If You Receive a Notice
If your insurer identifies issues with a drone, you will receive a written notice outlining necessary repairs. The loss control recommendations notice usually includes:
- Specific issues that need correction
- A deadline for completing repairs (often 30 to 60 days)
- Instructions for submitting proof of completion
Contact Brooks, Todd & McNeil as soon as you receive an inspection notice. Our agents will help you understand requirements and connect you with qualified contractors. We’ll ensure repairs meet carrier deadlines and specifications.
Missing a repair deadline can result in higher premiums or even policy cancellation. Resolve issues promptly to safeguard your insurance.
Stay Ahead of Drone Inspections With the Right Coverage Partner
Drones have changed the way insurers assess risk. If you maintain your roof, repair any damage promptly, and keep accurate records, you are less likely to encounter unexpected issues. Regular maintenance costs less than emergency repairs and helps you retain your coverage.
Brooks, Todd & McNeil keep you up to date on changing insurance rules. We help you stay insurable and find the best rates. If you have questions about drone inspections or would like to review your options, please contact Brooks, Todd & McNeil. Our experienced agents are ready to help you stay protected.
About Brooks, Todd & McNeil
Since 1839, the independent agents at Brooks, Todd & McNeil have been pleased to offer our community several different kinds of policies from a variety of providers. To learn more about our products and services, contact us today at (800) 448-4567.