For teams
Lower the loss ratio. Shorten the adjuster's day.
Pre-bind property captures and post-loss documentation with a signed, hashed report your underwriting and claims teams can trust without re-shooting. Run a pilot program with one of your books; see the cycle-time delta inside a quarter.
At a glance
Pre-bind property captures and post-loss documentation with a signed, hashed report your underwriting and claims teams can trust without re-shooting. Run a pilot program with one of your books; see the cycle-time delta inside a quarter.
Related pages
What's broken in carrier inspection today
Re-shoots are the default
An adjuster gets a roof photo from a homeowner, a different one from a contractor, and a third from a TPA inspector. Each was shot with a phone, framed differently, with no shared coordinate. The adjuster's job becomes reconciling three views of the same roof. The cycle time is in the reconciliation, not the inspection.
Photos without provenance
A photo a customer texts in could be from June or from last summer. There's no hash, no timestamp the carrier didn't generate themselves, no chain back to the capture device. An adjuster who needs to be sure has to send someone out anyway — and that someone may be a third-party inspector whose photos have the same problem.
Inspections happen after the fact
Pre-bind inspections catch the conditions that drive non-renewal a year later. But carriers rarely see one until a claim opens. By then the carrier is reacting, not pricing — and the homeowner is reacting too.
What Plenoptary delivers into your workflow
Signed, hashed, dated reports
Every report your insured receives is a signed PDF with a SHA-256 hash for every photo and thermal frame it references. When the report enters your claims system, your team can verify the bytes haven't changed since delivery — no re-shoot, no re-bind follow-up. The cryptographic signature uses an Ed25519 key your team can verify against the public key on our trust page.
Carrier-readable, contractor-readable, owner-readable
One report, three audiences. The plain-English finding language the homeowner reads parses cleanly into your adjusters' notes and their contractors' bids. The audit row sits underneath for the cases that need to escalate. We don't ship two versions of the same report; the report is the same artifact for everyone who touches the file.
Year-over-year by query, not by eye
Because every flight uses the same five-shot cinema record and the same report template, year-over-year comparisons across a book of business are a database query — not a manual visual scan. A carrier looking for newly-failing roofs across a portfolio sees the change frame-for-frame, with the audit chain in the same place every year.
What onboarding looks like
Pilot programs run against one of your books — usually a non-renewal cohort or a high-loss-ratio metro. We fly the properties on a schedule your team sets, deliver into a portal each insured can sign into, and hand your underwriting and claims teams a per-property audit row plus a portfolio-level rollup.
Cycle-time delta and re-shoot avoidance get measured at the end of the quarter; pricing and scope follow the data, not a sales pitch. Carrier-side workflow integrations (claims-system handoff, broker-facing report routing, API-driven order intake) ship as the pilot grows past one book.