AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
1–10 of 64 posts
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#2Consumer groups say they've seen a 'dramatic increase' in homeowners dropped from coverage because of aerial images.
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#3Consumer groups say they've seen a 'dramatic increase' in homeowners dropped from coverage because of aerial images.
In Florida that would be especially concerning as home insurance is very pricy and hard to get
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#4This story appears to be a sloppy, confusing summary of a Business Insider piece by Albert Cahn, the man mentioned in the article. The fact that SCNR makes no reference to this piece is telling:
https://www.businessinsider.com/homeowners-insurance-nightma...
Cahn is the founder and executive director of the Surveillance Technology Oversight Project, or STOP, a New York-based civil-rights and privacy group, so he certainly has a dog in the ring here, but he also has a horror story to back it up.
The source article on Business Insider contains much more important details:
> Travelers admitted that it screwed up. It never conceded that its AI was wrong to tag me. But it revealed the reason I couldn't find my cancellation notice: The company never sent it.
> Travelers may have invested huge sums in neural networks and drones, but it apparently never updated its billing software to reliably handle the basics. Without a nonrenewal notice, it couldn't legally cancel coverage. Bad cutting edge tech screwed me over; bad basic software bailed me out.
So basically, this comes down to a dispute over how much moss is too much moss to make a roof structurally unsafe. But it sounds like the process goes straight from "AI detects a problem" to "policy gets cancelled," without human review in the middle. Perhaps a less error-prone way of handling it is for the AI's recommendations to trigger a human to go out to the home and investigate?
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#5I’m frankly surprised this is legal. I can’t imagine something like this passing in the EU.
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#6This story appears to be a sloppy, confusing summary of a Business Insider piece by Albert Cahn, the man mentioned in the article. The fact that SCNR makes no reference to this piece is telling: https://www.businessinsider.com/homeowners-insurance-nightma... Cahn is the founder and executive director of the Surveillance Technology Oversight Project, or STOP, a New York-based civil-rights and privacy group, so he cert…
Ironically, it seems the article itself was written by AI
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#7Expanding on this idea - can health insurance companies fly a drone over my house and see me in my hard eating a cheeseburger and cancel my coverage?
Can an auto insurer do the same and cancel my coverage because they see me doing burnouts in my driveway?
Seems like a giant privacy violation but I'm no legal expert.
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#8Sounds like the homeowners' complaints aren't with the surveillance itself but with too many false positives in the algorithm that marks surveyed processes "uninsurable". It would be just as bad if an agent came to visit and arrived at the same wrong conclusion.
I would further have issues with any drone flying over my property uninvited... even if I don't strictly have issues with companies automating such inspections conditional on them being agreed to in advance.
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#9I feel like better transparency about policy holders’ attitude to home maintenance leads to better pricing of risk and that’s a good thing - the problem is really the lack of warning from the insurer that they are about to be dropped. Not even giving the policy holder the chance to take corrective action sucks, and hints at a future where you need to be on best behaviour even in private spaces
Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations
#10This story appears to be a sloppy, confusing summary of a Business Insider piece by Albert Cahn, the man mentioned in the article. The fact that SCNR makes no reference to this piece is telling: https://www.businessinsider.com/homeowners-insurance-nightma... Cahn is the founder and executive director of the Surveillance Technology Oversight Project, or STOP, a New York-based civil-rights and privacy group, so he cert…
The article says it's an industry-wide practice... but nearly all the examples in these articles relate to Travelers.