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Insurance policy alterations using informatic sensor data

  • US 10,121,207 B1
  • Filed: 07/17/2017
  • Issued: 11/06/2018
  • Est. Priority Date: 10/04/2013
  • Status: Active Grant
First Claim
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1. A computer system for processing building condition data, comprising:

  • a memory configured to store instructions;

    a processor disposed in communication with the memory, wherein the processor upon execution of the instructions is configured to;

    receive building condition data from a plurality of building condition sensor devices associated with a building, wherein the plurality of building condition sensor devices comprises a structural sensor configured to collect data associated with the building'"'"'s structural elements;

    upon the receiving building condition data from the structural sensor, determining a susceptibility value indicative of susceptibility of the building to incur damage;

    upon the susceptibility value satisfying a threshold, generate an instruction configured to receive building condition data associated with the building'"'"'s structural conditions;

    transmit the instruction to a camera sensor, wherein the camera sensor is configured to collect images associated with the building'"'"'s structural condition, wherein the instruction modifies a frequency of data capture associated with the camera sensor; and

    modify at least one data record corresponding to an insurance policy of the building based on the susceptibility value.

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