Insurance Appraisals with Matterport 3D Tours

When it comes to protecting your property, having the right insurance coverage is just the beginning. In the unfortunate event of damage or loss, having a clear and detailed record of your property’s condition and contents can make a world of difference. That’s where Matterport 3D tours come in. These immersive digital models are revolutionising how insurance appraisals are conducted.

What Is a Matterport 3D Tour?

Matterport is an advanced 3D scanning technology that creates accurate, high-resolution digital twins of physical spaces. Unlike traditional photos or videos, a Matterport 3D tour allows users to virtually walk through a property in a fully interactive, measurable environment. Every wall, fixture, and asset is digitally captured and stored in the cloud.

Why Do Insurance Appraisals Matter?

An insurance appraisal is the process of documenting a property’s value and condition for the purpose of insurance coverage. Whether you’re insuring a commercial building, residential property, or valuable assets within the space, the more accurate the appraisal, the smoother your claims process will be if something goes wrong.

Traditionally, appraisals rely on written records, still images, and often vague descriptions. These can leave room for disputes, delays, and inaccuracies. Virtual tours change that.

How Matterport Tours Improve the Appraisal Process?

Here are some of the ways Matterport 3D tours enhance insurance appraisals:

1. Precise Documentation

Matterport captures everything from layout, fixtures, equipment, and furnishings in incredible detail. Adjusters and appraisers can revisit the digital model at any time, zooming in to review items or take measurements.

2. Faster Claims

In the event of a claim, your insurance provider will have a precise visual record of the pre-loss condition. This can significantly reduce back-and-forth with adjusters and help settle claims faster.

3. Less Room for Disputes

With a Matterport tour, it’s easy to prove what was in the property and what condition it was in. This helps prevent disputes over the value or presence of items at the time of the claim.

4. Easy Access

The digital twin can be accessed via a secure link. This means it can be shared instantly with insurers, adjusters, and legal professionals, reducing delays in documentation and decision-making.

5. Safe and Contactless

In situations where access to the property is restricted — such as after a disaster or during pandemic-related restrictions — A virtual tour provides a reliable and contactless alternative.

Who Should Use Virtual Tours for Insurance?

• Homeowners: Especially those with high-value contents, art, or unique architecture.
  
• Commercial Property Owners: For warehouses, office buildings, or retail spaces.
  
• Landlords and Letting Agents: To maintain records before and after tenancies.
  
• Insurance Professionals: Who want to streamline their appraisal workflow.

How Does It Work?

1. A virtual tours expert scans your property using a Matterport 3D camera.
   
2. The captured data is uploaded to the Matterport platform and turned into a 3D virtual tour.
   
3. You receive a shareable link and optional downloadable files (like schematic floor plans or measurement reports).
   
4. This digital twin can be used during underwriting, risk assessment, or claim evaluation.

Let Scene3D Help You Today!

When disaster strikes, having a digital twin of your property means you’re better prepared to navigate the insurance process. With clear, interactive, and timestamped evidence of your property’s condition, you can speed up claims and reduce stress.

At Scene3D, we specialise in creating high-quality Matterport 3D tours for homes, businesses, and insurance purposes across the UK. Whether you’re planning ahead or need post-loss documentation, we’re here to help protect what matters most. Get in touch today to book your insurance appraisal scan.