An insurance adjuster hires a remote pilot to document a residential roof after a hailstorm. On arrival, the pilot finds the homeowner is not present but a neighbor unlocked the gate with verbal permission from the homeowner. The adjuster confirms the scope of work by phone. What should the remote PIC verify before launching?

Question

Accepted Answer

Written or recorded permission from the property owner to conduct the flight over the property. Flying over private property without the owner's permission is not a Part 107 violation on its own, but it creates liability exposure under state trespass, privacy, and harassment laws that vary by jurisdiction. Professional practice and most insurance E&O policies require documented owner consent before commercial overflight of private residential property. The adjuster hiring you does not transfer property owner consent.

Answer

Only the adjuster's verbal confirmation of the scope of work, since the adjuster is the client

Answer

Nothing further is required because the flight is for a legitimate insurance purpose