Streamlined property insurance application and renewal process
First Claim
1. A sensor system comprising:
- a plurality of sensor devices each configured to capture data of a different attribute of a property, each sensor device having a transmitter configured to couple to a network for transmitting the captured property attribute data via the network, the plurality of sensor devices including;
a first camera device configured to capture a first digital image of an elevational view of the property;
a second camera device configured to capture a second digital image of an aerial or a facade view of the property; and
a structural sensor device for capturing structural condition data relating to one or more structural conditions associated with the property;
a data storage component coupled to each of the plurality of sensors devices via the network, wherein the data storage component is configured to aggregate captured data regarding different attributes of the property received from each of the sensor devices, the captured data including the first digital image, the second digital image, and the structural condition data;
a communication component coupled to the data storage component configured to;
encrypt the aggregated captured data; and
transmit the aggregated captured encrypted data via the Internet; and
a computer management module coupled to the communication component, via the Internet, and programmed to;
receive the aggregated encrypted data from the communication component regarding the attributes of the property;
render a three-dimensional model representative of the property utilizing the first and second digital images captured from the first camera device and the second camera device respectively and the structural condition data captured by the structural sensor device, wherein the three-dimensional model provides visual indications of features of the property;
identify risk characteristics for the property based on a predictive analysis performed using the three-dimensional model to determine interactions between the features of the property;
transmit the three-dimensional model and the identified risk characteristics for the property to a user device for display.
1 Assignment
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Accused Products
Abstract
An insurance data gathering process contingent upon dynamically captured image and informatics sensor data. The captured image data may be used to facilitate rapid insurance-related decisions. In regards to a decision to be rendered for a property insurance policy, at least one image is retrieved associated with the property. One or more accounts associated with the insured are identified and one or more risks characteristics are identified regarding the insured. An aggregated dataset is provided from the at least one image, one or more accounts and risk characteristics associated with the insured. Predictive analysis is performed on the aggregated dataset to render a risk profile for the insured regarding an insurance policy for the property. A decision is rendered regarding the insured and the insurance policy based at least in-part upon the rendered risk profile.
200 Citations
9 Claims
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1. A sensor system comprising:
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a plurality of sensor devices each configured to capture data of a different attribute of a property, each sensor device having a transmitter configured to couple to a network for transmitting the captured property attribute data via the network, the plurality of sensor devices including; a first camera device configured to capture a first digital image of an elevational view of the property; a second camera device configured to capture a second digital image of an aerial or a facade view of the property; and a structural sensor device for capturing structural condition data relating to one or more structural conditions associated with the property; a data storage component coupled to each of the plurality of sensors devices via the network, wherein the data storage component is configured to aggregate captured data regarding different attributes of the property received from each of the sensor devices, the captured data including the first digital image, the second digital image, and the structural condition data; a communication component coupled to the data storage component configured to; encrypt the aggregated captured data; and transmit the aggregated captured encrypted data via the Internet; and a computer management module coupled to the communication component, via the Internet, and programmed to; receive the aggregated encrypted data from the communication component regarding the attributes of the property; render a three-dimensional model representative of the property utilizing the first and second digital images captured from the first camera device and the second camera device respectively and the structural condition data captured by the structural sensor device, wherein the three-dimensional model provides visual indications of features of the property; identify risk characteristics for the property based on a predictive analysis performed using the three-dimensional model to determine interactions between the features of the property; transmit the three-dimensional model and the identified risk characteristics for the property to a user device for display. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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Specification