Satellite Property Change for Underwriting and Claims

By ARUBIA · Satellite property intelligence on free public data

Underwriters and adjusters often lack an easy before/after view of how a property changed over time. Satellite change detection provides exactly that: dated comparisons of vegetation, structures, and ground conditions, with a priority map of what to verify.

What the satellite actually measures

Every few days, public Earth-observation satellites image nearly every spot on the planet, for free. ARUBIA turns that into three measured signals — no guesswork:

Vegetation vigor (NDVI): healthy growth reflects light a certain way; the lower-vigor zones stand out.
Moisture indicators: relative wet/dry areas, pass to pass.
Change detection: compare two dates and the map shows exactly where the ground, vegetation, or structures shifted.

Where it helps

Why insurers use it

Before/after change on any property or portfolio
Vegetation and site-condition risk indicators over time
A dated record to support decisions

What it can't do (we're upfront about this)

Damage assessment and cause-of-loss need high-resolution imagery or an inspection. Satellite flags that something changed and where — it doesn't adjudicate the claim.

That honesty is the point: a map that sends you to the right spots — and is clear about what it can't see — saves real time and catches problems earlier, without pretending to be a lab result.

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