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Ben Peetz, CSP, CFPS, AFIS – FAA Certified Remote Pilot

Risk Services DepartmentWestfield Insurance

Using Drone

Technology for

Risk Management

Indiana Safety and Health ConferenceFebruary 26, 2020

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VIDEO CLIP

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A QUICK FLY-BY…

What is a UAS?

What can a UAS do?

Why use a UAS?

Become an FAA-certified Remote Pilot

Rules / regulations for UAS operations

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It’s not just the aircraft…

A UAS is a system:

Unmanned Aircraft

Ground Based Controller

Command & Control Link

Also known as:

Unmanned Aerial Vehicle (UAV)

Remotely Piloted Aircraft System (RPAS)

RC Model Aircraft

Most commonly called a “drone”.

UNMANNED AIRCRAFT SYSTEMS

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Multi-Rotor Fixed Wing

Single-Rotor Fixed Wing Hybrid

TYPES OF DRONES

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Inspections of roof & rooftop equipment

General building / facility inspections

Jobsite safety inspections

Jobsite progress imagery

Property analysis

3D modeling

2D mapping with volume

Infrared roof inspections

DRONE USE IN INSURANCE

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Initiated in October 2016

Currently 4 remote pilots

Risk control using 2 drones

Focused on property inspections

Provided various drone services to clients

Worked with Colorado UW hail team to inspect roofs and rooftop equipment for damage on high valued properties

Partnered with Hartford Steam Boiler (HSB) on an infrared rooftop experiment specific to water intrusion

WESTFIELD RISK SERVICES PROGRAM

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APPLICATIONS

Safety Inspections / Worker Monitoring

Elevated safety equipment

Ladders / railings

Work surfaces

Monitor worker activity

Progress of operations

Traffic patterns

Access over poor ground conditions

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APPLICATIONS

General Liability

Property controls / access to hazards

Signs of theft / trespassing

Livestock operations

Check herds

Integrity of fences

Search for lost livestock

Environmental changes

Drainage patterns

Lagoons

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APPLICATIONS

Property Inspection / Evaluation

Examine roof conditions before / after event

Evaluate for loose siding or other damage

Inspect structural supports, trusses, columns

Inspect electrical service equipment

Review layout of buildings for planning

Determine exposures based on space between various structures and hazards

Wildland interface / clear space for wild fire

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HAIL DAMAGE

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APPLICATIONS

Monitor Equipment Operation and Progress

Check conditions and operationof equipment

Irrigation pivots

Monitor crop operations / conditions

Evaluate field conditions for drainage issues, tile damage, washouts, sinkholes

Track / record progress of crop operations and conditions throughout a season.

Locate workers / livestock

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VIDEO CLIP

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ADVANTAGES OF DRONES

Safety

No climbing of ladders or scaffolds needed

No need for manlift or repelling activity that requires specialized fall protection equipment

Less specialized safetytraining required

Drones are less dependent on weather.

Easier to work in a smaller weather window

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ADVANTAGES OF DRONES

Access / Maneuverability

Examine areas not reachable with a ladder or manlift

Hover over a specific area orview from multiple angles

Move into places that human eyes could never access

Easily inspect complex building exteriors and other structures

Access over poor ground conditions

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VIDEO CLIP

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ADVANTAGES OF DRONES

Speed

Little prep time needed

No gathering / hauling of extensive

climbing or manlift equipment

Scan exteriors in much less time

than required to inspect manually

Complete more tasks in less time

while being be more thorough

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ADVANTAGES OF DRONES

Cost

Less costly than manual inspections

No need for purchase or rental of specialized equipment

No need for extensive safety equipment and training

Much more economicalthan aerial inspection or photography using planes or helicopter

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VIDEO CLIP

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Liability

Traditional building inspections present increased risk with substantial liability exposure.

Personnel must be insured

Those who hire them must be indemnified against the cost of incidents.

Reduction of biosecurity exposure as compared to ground access

ADVANTAGES OF DRONES

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Information / sharing

Capture accurate data with highly sophisticated equipment

Digital video and images are easy to share among multiple parties

Management and specialists located away from a location can see it with their own eyes in high-resolution.

Easy to send images to consultants for review

ADVANTAGES OF DRONES

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ADVANTAGES OF DRONES

Enhanced visual ability

High-res cameras can reveal flaws or damage that the human may miss.

Infrared cameras can detect heat differentials

LiDAR (Light Detection and Ranging) remote sensing technology to map out terrain / elevation surfaces.

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VIDEO CLIP

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IR DETECTION OF WATER INTRUSION

Infrared detects any thermal patterns

Thermal variance will appear where water has infiltrated the roofing material and insulation

Must be performed at dusk or early dark after solar heating of the roof structure.

October 17, 2019 Using Drones with Infrared Technology

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Using Drones with Infrared Technology

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CHALLENGES WITH AERIAL DRONES

Equipment cost

Consumer-level drones may be available for as little as $100.

Professional-grade drones can cost anywhere from a couple of hundred to tens-of-thousands of dollars.

Specialized additional equipment, like high-resolution or infrared cameras, may cost thousands of dollars more.

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Location / physical limitations

Generally cannot fly in rain / heavy winds without specialized equipment

FAA rules prohibit / restrict flying near airports and other specialized areas.

Limit flying to a specific altitude

Permit needed for night flights

CHALLENGES WITH AERIAL DRONES

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Where can I fly?

Most areas fall within Class G (general) airspace

Airspace classifications change around airports where airspace is regulated for manned aircraft.

No-fly zones exist for stadiums, large events, restricted / prohibited space, and national parks.

Many websites / apps available

CHALLENGES WITH AERIAL DRONES

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Certification is required

Operators using drones for commercial applications must acquire an FAA certificate.

“Commercial” means any flight activity for monetary gain.

Drone units must also be registered with the FAA.

CHALLENGES WITH AERIAL DRONES

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The FAA has the authority to manage airspace and civil aircraft operations.

An aircraft is any device used, or intended to be used, for flight.

UAS are aircraft and must comply with FAA regulations.

Drones fall under FAA Part 107.

FEDERAL AVIATION ADMINISTRATION

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Effective August 29, 2016

Dictates the rules for the commercial use of small drones weighing under 55 pounds

Requires all UAS 0.55 - 55 pounds to be registered online at FAA.gov

A Remote Pilot Certificate (Part 107) must be obtained to legally fly for commercial use.

FAA PART 107

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UAS must weigh less than 55 lbs. at take-off

Maintain Visual line-of-sight (VLOS)

No flights over people, generally

Daylight only operations, generally

Max altitude 400 feet above ground level

No carriage of hazardous materials

HIGHLIGHTS OF FAA PART 107

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Must be at least 16 years old

Must be able to read, speak, write and understand English

Must be in a physical and mental condition to safely operate a small UAS

Must pass the initial Aeronautical Knowledge Exam at an FAA-approved Knowledge Testing Center(Part 61 certificate holders can take online training at faasafety.gov instead of the knowledge exam)

BECOMING A CERTFIED REMOTE PILOT

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Objective, multiple choice test consisting of 60 questions.

Minimum passing score is 70%

Requires you to reference airspace maps and aeronautical charts.

2 hours to complete the test

Prep courses available

AERONAUTICAL KNOWLEDGE EXAM

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Complete/Submit form 8710-13(FAA Airman Certificate and/or Rating Application)

Pass TSA security background check

Can print temporary Airman Certificate (valid for 120 days)

Permanent Airman Certificate arrives by mail.

Certificate is valid for two years.

Remote pilots must pass a recurrent knowledge exam within 24 months.

BECOMING A CERTIFIED REMOTE PILOT

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Insurance Policies

Typically, basic GL policies do not cover commercial drone use

In fact, drones are specifically excluded

Specific drone policies are typically broken up into two parts:

Liability (damage and claims to 3rd parties)

Hull damage (damage to the UAV itself)

DRONE USE

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Insurance Policies

May cover a single flight or be a blanket policy to cover periods of time.

Some provide on-demand policies for personal and commercial drone use.

Some priced on a per-hour basis.

Cost for liability coverage will depend on volume, experience, & background.

One example covers ¼ mile radius, up to $1M in third party liability.

DRONE USE

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QUESTIONS?

Ben Peetz, CSP, CFPS, AFIS

Sr. Risk Services RepresentativeWestfield Insurance

benjaminpeetz@westfieldgrp.com

Cell: (812) 216-3223

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