How an Insurer Can Effectively Reduce Field Visit Costs with VIEWAPP Digital Inspections
For insurance companies, on-site inspections have long remained a standard part of business processes. Pre-insurance verification of a property, inspection of assets after an insured event, and documentation of vehicle damage—all of these tasks have traditionally been handled by sending an expert to the location.
This approach may seem familiar and straightforward, but in recent years, the cost of such processes has been steadily rising. On-site inspections have become an expensive and poorly scalable process:
• transportation costs are increasing, and sharply so,
• contractor services are becoming more expensive,
• logistics in remote regions are becoming more complicated.
As a result, each trip costs the insurer more and more.
The insurer pays not only for the specialist's work but also for their travel, arrangement of the visit, scheduling with the client, waiting time at the site, and subsequent processing of materials. With a high volume of claims and a wide geographical presence, these expenses turn into a significant budget item.
At the same time, a large portion of the expert's time is often spent not on decision-making but on traveling between sites. This is especially noticeable in regions where a trip can take several hours for an inspection that lasts only a few minutes.
VIEWAPP digital inspections make it possible to change the very logic of the process. Instead of sending a specialist to each site, the insurance company can obtain the necessary reliable materials remotely. The client or the property representative undergoes an inspection according to a pre-configured scenario, takes photos and videos through a mobile application, and the results are immediately uploaded into the insurer's system.
This format is more convenient for the client, as they do not have to wait for an expert to arrive and adjust to their schedule. For the insurance company, it means fewer field visits and faster claims processing without compromising the quality of control.
Many insurers, when assessing the economic effect of digital inspections, primarily calculate the reduction in transportation costs. However, in practice, the benefit proves to be much broader. Significant savings are also achieved by reducing the number of repeat inspections. In the traditional model, situations often arise where individual photographs are missing or additional materials are required to make a decision. This leads to new scheduling and repeat site visits.
In VIEWAPP, the shooting scenario predefines the composition of required materials and controls their receipt. As a result, the company more often receives a complete set of data on the first attempt, and the need for repeat visits is substantially reduced.
The effect is particularly noticeable in pre-insurance activities. Inspections of apartments, houses, commercial real estate, vehicles, and special equipment can in many cases be performed remotely. Instead of organizing a field visit, the company receives the materials on the very day of the client's application and can make a decision on the insurance contract much faster.
The digital format opens up equally important opportunities in claims settlement. Considering that motor insurance about 60-80% of damages are minor and can easily be inspected by the policyholder themselves, the savings from delegating digital inspections for loss adjustment are enormous.
The faster the materials are collected, the sooner the claim review begins. Using VIEWAPP allows the necessary information to be obtained almost immediately after the client's application, which accelerates the payout and increases policyholder satisfaction.
An additional effect arises when interacting with independent experts and appraisers. This category of specialists often becomes one of the most costly expense items in claims settlement. The traditional model involves arranging for an appraiser to visit the site, conducting the inspection, preparing materials, and only then calculating the damage.
Digital inspections make it possible to change this process. Materials on the object can be collected via VIEWAPP immediately after the client's application and transmitted to the appraiser in electronic form. As a result, the specialist can begin analysis without the need for a personal site visit.
This is especially relevant for standard claims, where the appraiser primarily needs not to document the site independently but to professionally determine the extent of damage, calculate the cost of repair work, and prepare a report. Instead of traveling and dealing with organizational matters, the specialist concentrates directly on their expert work. At the same time, a unified approach to working with insurers emerges.
For the insurer, this means not only reduced field visit expenses but also faster overall claims handling. The appraiser can process a greater number of cases, and the insurance company receives reports in a shorter time frame.
At the same time, reducing the number of visits does not mean a decrease in the level of control. VIEWAPP records shooting parameters, monitors compliance with the inspection scenario, and delivers a structured set of materials for further analysis. If necessary, an expert or appraiser can always request additional data or schedule an in-person inspection in complex cases.
As a result, digital inspections help the insurer optimize the work of several process participants simultaneously. The number of visits by in-house staff is reduced, contractor costs decrease, and the work of independent experts and appraisers is accelerated. At the same time, the company gains the ability to serve clients faster and use its own resources more efficiently.
This is precisely why digital inspections are being viewed today not merely as a way to replace some field visits, but as a tool for comprehensive optimization of insurance processes. VIEWAPP helps reduce operating costs by up to 70%, accelerate decision-making, and channel specialists' efforts toward areas where their participation is truly necessary.