Disclosed is a method and apparatus for processing an insurance claim. The user first files a claim, and then a drone is dispatched to take a photo of the claimed object at the location corresponding to location information contained in the claim so as to obtain a complete photo required for claim settlement. Then the damage of the claimed object is identified and marked out on the photo. Finally, the complete photo on which the damage has been identified and marked out is uploaded online, and the claimed object is measured and the damage of the claimed object is assessed according to the uploaded complete photo, thus formulating a claim report.