Insurance Claims Video Enhancement Playbook

Common Claims Video Types

Type	Source	Typical Issues
Dashcam	Vehicle cameras	Low resolution, compression, glare
FNOL phone video	Claimant's phone	Shaky, poor lighting, quick shots
Property walk-through	Adjuster phone/tablet	Dark interiors, motion blur
Roof/exterior	Drone, ladder cameras	Weather conditions, distance
Surveillance (SIU)	Investigator cameras	Distance, low light, covert angles

Enhancement Workflow

1. VIDEO INTAKE
   - Claimant uploads via claims portal
   - Adjuster records during inspection
   - SIU obtains surveillance footage

   Store in claims management system with claim ID.

2. AUTOMATIC QUALITY CHECK
   # Pseudo-code for quality assessment
   if video.resolution < 720 or video.lighting == "poor":
       flag_for_enhancement = True

3. ENHANCE VIA API
   response = bettervideo.enhance(
       video_url=claim_video_url,
       resolution="1080p",
       face_restoration=True,  # For identification
       webhook_url=webhook_endpoint
   )

4. PROCESS WEBHOOK
   @app.post("/webhook/enhanced")
   def handle_enhanced(payload):
       claim_id = extract_claim_id(payload.job_id)
       download_and_attach(payload.output_url, claim_id)
       notify_adjuster(claim_id)

5. ADJUSTER REVIEW
   - Side-by-side comparison: original + enhanced
   - Identify details: license plates, damage extent, faces
   - Document findings
   - Attach both versions to claim file

Integration with Claims Systems

Guidewire ClaimCenter

# Trigger on new document upload
function onDocumentUploaded(document) {
    if (document.type == "VIDEO") {
        enhanceVideo(document.url, document.claimId);
    }
}

Duck Creek

// Integrate via REST API workflow
POST /api/v1/claims/{claimId}/enhance-video

Custom Systems

Use webhook + polling pattern:

1. Submit enhancement job on video upload
2. Store job ID with claim
3. Webhook updates claim status
4. Adjuster sees "Enhanced video available"

SIU Investigation Workflow

Surveillance Enhancement

SIU teams often work with difficult footage:

• Long-range telephoto shots
• Night/low-light recordings
• Dashboard-mounted covert cameras
• Mobile phone surveillance

Workflow Modifications

# Enhanced settings for SIU
response = bettervideo.enhance(
    video_url=surveillance_url,
    resolution="4k",        # Maximum detail
    face_restoration=True,  # Identify subjects
    denoise_level="strong"  # Clean up compression
)

Evidence Handling

• Preserve original (always)
• Document enhancement settings used
• Chain of custody for both versions
• Expert witness documentation available

ROI for Insurance

Typical Results

Metric	Before	After	Impact
Claim processing time	5 days avg	3.5 days avg	-30%
Reopened claims	8%	5%	-37%
Fraud detection	Baseline	+15%	Improved identification
Adjuster productivity	Baseline	+20%	Less time on poor video

Cost Calculation

Claims with video: 5,000/month
Enhancement cost: $0.20/video = $1,000/month

Time saved: 15 min/claim × 5,000 claims = 1,250 hours
Adjuster cost: $50/hour
Monthly savings: $62,500

ROI: ($62,500 - $1,000) / $1,000 = 6,150%