From Manual Home Inspections to AI-Driven Risk Detection: A Case Study in Insurance Modernization

One-liner summary:
Ideas2IT helped a Fortune 500 insurance company deploy a GenAI-powered platform for virtual home inspections, enabling proactive risk detection using mobile video, object detection, and scalable deployment on Azure Kubernetes.

The Problem with the Status Quo

A Fortune 500 insurer wanted to reduce losses from fire, water, and electrical hazards hidden inside homes. But traditional inspections were slow, costly, and often missed early signs of wear.

Partnering with an AI-driven home risk platform, the insurer set out to modernize inspections. The goal: enable homeowners to conduct self-guided home surveys via smartphone, and use AI to surface high-risk utilities in real time before they lead to major claims.

To succeed, the solution needed to be fast, secure, accurate and scalable across millions of homes.

Where the Gaps Were

Key challenges we solved:

  • Low Recall on Risky Utilities: Annotated utility images were inconsistent, and rare classes (like certain panel types) lacked training data.
  • High False Positives: Models detected risk where none existed, due to lack of background diversity in training images.
  • Latency and Throughput Constraints: The system had to process 50+ images per second with sub-second latency for real-time usage.
  • Deployment Bottlenecks: The model needed to be deployed with zero downtime and version control, across a cloud-native infrastructure.

What We Delivered

Ideas2IT engineered an AI platform that detects risks in residential utility footage using an ensemble of object detection models. We trained, optimized, and deployed the solution with CI/CD pipelines built for high performance and zero disruptions.

Core Implementation Highlights:

  • Improved Model Precision and Recall
    • Class imbalance was addressed via augmentation of rare utility types.
    • Background image noise was added to reduce false positives in inference.
    • A curated dataset was created from real annotated images, filtered by bounding box size and quality.
  • Ensembled YOLOv5 Architecture
    • Multiple YOLOv5 models were trained and ensembled to maximize detection accuracy without sacrificing inference speed.
    • Test-Time Augmentation (TTA) was applied for high-confidence detection in edge cases.
  • Zero-Downtime Deployment Framework
    • Containerized models with Docker and deployed using Azure Kubernetes Service (AKS).
    • CI/CD pipelines supported horizontal and vertical scaling, with zero lag during model upgrades.
  • Custom Preprocessing Layer
    • Built on Azure Functions to handle:
      • Deduplication
      • DOB normalization
      • Standardization of names and phone formats
    • Ensured clean, consistent metadata for every inspection submission.

Outcomes We Achieved

Area Outcome
Detection Accuracy Jumped from 70% to 90% with TTA and model ensemble
Model Throughput Sustained 50 images/sec with 1-second latency
Deployment Velocity Enabled zero-downtime updates and full automation
Risk Identification 400+ failure points now automatically flagged from photos
Inspection Experience Fully self-service for homeowners with AI-reviewed reports
Industry
Insurance
Location
Florida
Tech Stacks

Backend: Python,PyTorch,Computer Vision

Cloud infrastructure: Azure

DevOps: Kubernetes, Docker, Git

Challenge

The insurer needed a fast, accurate and scalable way to detect home risks from mobile video,something manual inspections and inconsistent training data couldn’t deliver.

Key Takeaways

  • TTA + Ensemble > Single Model: Detection reliability improved dramatically by combining multiple YOLOv5 models and applying test-time augmentation.
  • Data hygiene: Background diversity and input normalization mattered more than raw volume.
  • Scalability is an ops problem The right deployment architecture (Azure + AKS + Docker) enabled high throughput and uninterrupted rollout.
  • Visual explainability: Annotated inspection reports helped both homeowners and underwriters trust the AI’s findings.
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