“At its core, HOVER is a machine-learning technology that transforms smartphone photos of a home into a scaled, interactive 3D model.” – Kevin Reiley

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Every company strives for a great customer experience.

But often times, being a customer can be a pain. From calling support to scheduling an appointment—the tasks required to be a customer can, more often than not, feel like work.

But what if in today’s technologically-driven economy—there is a shifting customer experience? That, by empowering the customer to actually do some of the work, you make their experience better overall.

This is what the HOVER team has uncovered in their service. That the customer is fully capable and motivated to use their technology, much more so than going through the archaic motions of assisting adjusters on site.

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“Claims are a linear process. They move from A-Z, but they don’t always take the same path to get there.” – John Hall

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If you spend any time in the insurance world, you’re bound to hear the sentiment that a vehicle claim is distinctly different than a property claim. But is this true?

It turns out that while a property claim has more information to fill in, there are still the same questions being asked. The customization of a property is no different than the drilling down to what part needs fixing inside a vehicle.

That’s why on today’s episode of FNO: InsureTech, we are joined by John Hall, President at Audit Services Inc. to discuss how claims fit into the auto insuretech space, where we see technology driving their position, and why they are no different than property claims.

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Everybody wants the new, shiny object.

And in the insuretech world, it’s no different. Each year—we see new technology solutions rising to the surface, and the conversation at conferences turning towards the next best thing. But is this really where our focus should be?

When we integrate technology into our business, unexpected challenges get put in front of us. The quality of technology is in how effectively it can anticipate and deal with these roadblocks. Often times, the bells and whistles distract us from assessing this.

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There are distinct categories in the world of insurance.

You have the incumbent carriers, the giant Googles and Amazons, and then the niche insurtechs like Hover and Lemonade. How these three species of company interact with each other is the dance we are witnessing today.

That’s why on today’s episode of the FNO: podcast, we are joined by the godfather of insurtech, Caribou Honig. Caribou is one of the cofounders of the prominent conference InsureTech Connect, and brings his expertise of all things related to insurtech—from theorizing about Amazon’s most recent purchase of Ring to understanding how drones have impacted the claims paradigm.

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Every company has a unique customer journey.

In most cases, the touchpoints exist at the time of payment, and there are clear exchanges of value. But with insurance, the equation isn’t so simple. We pay our insurance so that in case something happens, we can get the help and coverage we need.

That moment when a crisis occurs and we file our claim is the moment the customer truly interacts with the company. And that interaction may or may not have technology embedded in it.

So today, on the FNO: podcast, we are joined by Brett Goldberg, the CEO at Spex to discuss the intersection of claims and technology. Spex is a platform that enables adjusters to essentially replace their clipboards and graph paper to more accurately document property inspections.

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A crisis occurs and we panic.  

Flood, storm, tornado, you name it—our gut reaction is to crumble into the fetal position and worry about our future. When we finally garner the energy to file that insurance claim, we’re met by the carrier’s system.

For the insurance side of things—this is the opportunity to provide a helping hand. How can you help the person get the help they need?

On today’s episode of FNO: InsureTech, we are joined by Dan Moore—the SVP Head of Operations of QBE—to discuss what role technology and human labor plays during this pivotal moment.

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