主动天气警报：保险公司的游戏规则改变者
技术
- 机器人 - 自动导引车 (AGV)
- 传感器 - 自动驾驶传感器
适用行业
- 建筑物
- 金融与保险
用例
- 结构健康监测
- 基于使用的保险
关于客户
本案例中的客户是保险公司的保单持有人。他们是购买保险来保护其财产（例如房屋和车辆）的个人或实体。这些客户通常是被动的，只有当他们需要因财产损失提出索赔时才与保险公司互动。他们担心财产的安全，尤其是在破坏性天气事件期间。他们重视保险公司的主动沟通，尤其是可以帮助他们采取预防措施以避免财产损失的警报。事实上，90% 的受访客户认为保险公司提供的天气警报很有价值。
挑战
保险公司经常面临处理大量索赔的挑战，尤其是在破坏性天气事件期间。这些索赔可能会花费数百万美元，并对客户体验产生负面影响。客户通常仅在财产受损时才在索赔过程中与保险公司互动。这种被动的客户服务方法可能会导致不满意和缺乏参与度。此外，保险公司特别关注造成财产损失的天气事件，例如飓风、洪水和风暴。这些事件可能导致索赔激增，给资源带来压力，并可能影响公司的利润。
解决方案
解决方案在于使用由天气情报技术提供支持的主动天气警报。这项技术使保险公司能够监控客户居住的特定位置，并在潜在破坏性天气事件即将发生时直接向保单持有人发送警报。这些警报可以通过应用程序或电子邮件发送，并可以建议保单持有人采取预防措施。例如，如果冰雹即将来临，可以建议投保人将汽车移至室内。同样，可以针对大风和野火发出警报，从而使客户能够保护其财产并创建安全区域。这种主动的方法不仅可以防止财产损失，还可以增强客户体验。此外，天气情报可以识别保单持有人的潜在风险，提供追加销售的机会，例如为生活在高风险地区的客户提供更多的保险。
运营影响
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