Insurance
Objective, defensible documentation of property condition — before and after a loss event.
Insurance claims live and die on documentation. When property condition before a loss is unknown or disputed, claims take longer, settlements are harder to reach, and fraud is harder to detect. When post-loss condition is documented only through photos and subjective assessments, the true extent of damage is easily understated or overstated. 3D scanning gives insurers, adjusters, and property owners an objective, measurable, and permanent record of property condition — at any point in time — that removes ambiguity from the claims process and supports faster, fairer outcomes.
Persase in action — property condition documentation for insurance pre-loss records and claims assessment
How Persase Serves Insurance
| Service | How insurance uses it |
|---|---|
| Roof Moisture Inspection | ASTM C1153 compliant thermal imaging of flat and low-sloped roofs — identifying moisture-affected areas non-destructively before and after loss events, providing objective, defensible evidence of roof condition that supports faster and more accurate claims assessment |
| Matterport Scanning | Photorealistic 3D documentation of property interiors — a permanent, immersive, and measurable record of the condition of every room, surface, and fixture at the time of capture, accessible remotely by adjusters, underwriters, and claim reviewers without a site visit |
| Building & Site Laser Scanning | Survey-grade point cloud documentation of buildings and sites — accurate spatial records of structural dimensions, layout, and condition that provide an objective baseline for pre-loss valuation and post-loss damage quantification |
| Digital Twins | Permanent, accurate digital records of insured properties — accessible at any time and updatable as the property changes, providing underwriters and adjusters with reliable pre-loss documentation that eliminates disputes about prior condition |
the value
Why 3D Scanning for Insurance
The two biggest challenges in property insurance claims are establishing what existed before a loss and accurately quantifying what was damaged or destroyed. Traditional documentation — photographs, written descriptions, and paper records — is subjective, incomplete, and often disputed. A photo shows what the camera was pointed at. A written description reflects what the inspector noticed. Neither captures the complete, measurable, three-dimensional reality of a property the way 3D scanning does. A Matterport virtual tour documents every room, every surface, and every fixture in an immersive, navigable format that anyone can access remotely — and from which accurate measurements can be taken at any time after the scan. A laser scan produces a survey-grade spatial record of the building that supports accurate replacement cost calculations and damage quantification without relying on memory or incomplete records.
For pre-loss documentation, regular 3D scans of insured properties establish an objective, timestamped baseline of condition — eliminating the disputes about prior condition that slow claims and inflate settlements. For roof condition assessment, ASTM C1153 compliant thermal imaging identifies moisture-affected areas non-destructively — providing objective evidence of roof condition before and after a weather event that adjusters can rely on without invasive investigation. For post-loss assessment, a complete 3D record of the damaged property gives adjusters, engineers, and contractors an accurate spatial reference for quantifying damage, scoping repairs, and validating contractor estimates — remotely and without repeated site visits. For underwriting, accurate digital records of property condition support more informed risk assessment and more defensible coverage decisions at the time of policy inception.