Virtual Tours for Insurance & Restoration

Why Insurance Needs Virtual Tours

The insurance industry faces mounting pressure to process claims faster, reduce fraud, and control adjuster costs — all while maintaining documentation accuracy. Matterport 3D virtual tours address every one of these challenges by creating a comprehensive, time-stamped visual record of properties that can be reviewed remotely by adjusters, underwriters, and investigators.

Pre-loss documentation is perhaps the most powerful application. When a property is scanned before any damage occurs, insurers have an indisputable baseline record of conditions, finishes, and contents. After a loss event, the before-and-after comparison makes claim assessment faster and more accurate. Verisk, one of the insurance industry's largest data analytics providers, has partnered with iGUIDE to promote interior property documentation for this exact purpose.

Pre-Loss Documentation

Pre-loss documentation — scanning a property before any damage occurs — is the gold standard for insurance claims management. With a complete Matterport scan on file, insurers can quickly compare pre-loss and post-loss conditions, identify exactly what was damaged, and validate or dispute claim amounts with visual evidence.

This capability is particularly valuable for high-value properties, commercial buildings, and properties in disaster-prone areas. Property owners benefit from faster claim processing and less disputes about pre-existing conditions. Insurers benefit from reduced fraud exposure and more accurate reserve estimates.

• Creates time-stamped baseline of property conditions
• Enables accurate before-and-after comparison
• Reduces disputes about pre-existing conditions
• Particularly valuable for high-value and commercial properties
• Supports faster claim processing and payout

Fraud Prevention and Investigation

Insurance fraud costs the industry billions of dollars annually, and inaccurate or exaggerated property damage claims represent a significant portion of fraudulent activity. Matterport scans provide detailed, tamper-evident documentation that supports fraud investigation efforts.

The 3D scan captures the complete spatial reality of a property — not just the angles a claimant chooses to photograph. Hidden details, inconsistencies, and conditions that contradict claim narratives become apparent when investigators can explore the space virtually. The time-stamped nature of Matterport scans also establishes a verifiable timeline, making it difficult to misrepresent when damage occurred or what conditions existed at the time of scanning.