This report explores how property intelligence, powered by AI, third-party data, and advanced imagery, is transforming underwriting and claims management. As natural catastrophes increase in frequency and severity, insurers are turning to enhanced data sources—such as aerial and drone imagery—to assess roof conditions, environmental exposure, and claims risk more accurately. Declining imaging costs and improved resolution are fueling adoption. New entrants are challenging incumbents with innovative tools, though collaboration is also rising. Regulatory acceptance of AI-driven rating models is growing, and insurers are under pressure to improve underwriting amid rising reinsurance costs.

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