>Take the video of the damage immediately and through your own app. Now you can confirm with decent certainty the where/when of the incident and stop double-claims. You can also refuse to pay for any damage unseen in the video. No more "I hurt my back" type claims weeks later - unless you said your back hurt at the time, it isn't going to be covered.
This noticeably doesn't stop you from purposefully damaging your home for an insurance payout. If I take a video of the damage to my roof right after I knock a tree over onto it, I would get a new roof paid for by an insurance company.
>Next, you require the user upload all the receipts they are claiming before you'll pay them a cent. This means that users will typically repair stuff 'on the cheap', rather than using very expensive repair/rebuild services that they'd use if they knew for sure insurance would be paying.
Seems like a recipe for builders to overcharge the insurance company. Unless you're suggesting that homeowners physically pay for the repairs before submitting the claim, which (for obvious reasons) is prohibitively unaffordable in most cases where you'd want to use insurance.
>Third, you either pay avery claim in full, or not at all. If you find any evidence of fraud, you don't do a partial payout.
You better have a great legal team, because you'll be getting sued a lot. In addition, you'll have very limited evidence to prove fraud (as you didn't have anyone visit the site of the damage, didn't have anyone negotiating the price with the construction company, etc.)
Combine it all together and you'll be paying out a lot of fraudulent claims. You'll also be losing a lot of lawsuits where you don't have enough evidence of fraud.