Systems and methods for assigning damage caused by an insurance-related event
First Claim
1. A computer-implemented method of determining a cause of damage to a property populated with a plurality of smart devices on the property, each of the plurality of smart devices configured to monitor various conditions associated with the property, the method comprising:
- receiving, at a smart home controller disposed on the property, a set of sensor data from the plurality of smart devices recorded before, during, and after an insurance-related event;
comparing, by one or more processors of the smart home controller disposed on the property, the data recorded before the insurance-related event to the data recorded during and after the insurance-related event to automatically generate a time-sequence of events for the insurance-related event;
identifying from the time-sequence of events, by the one or more processors of the smart home controller disposed on the property, a first cause of loss and a second cause of loss associated with the insurance-related event;
based upon the comparison, analyzing, by the one or more processors of the smart home controller disposed on the property, the set of sensor data to estimate an overall amount of damage caused by the insurance-related event;
based upon the time-sequence of events, assigning, by the one or more processors of the smart home controller disposed on the property, (i) a first portion of the overall amount of damage to the first cause of loss and (ii) a second portion of the overall amount of damage to the second cause of loss, wherein each of the first portion and the second portion of the overall damage comprises at least one of a percentage of the overall amount of damage to the property or a dollar amount of the overall amount of damage; and
automatically generating, by the one or more processors of the smart home controller disposed on the property, a proposed insurance claim based upon the assignment of the first portion of the overall amount of damage to the first cause of loss and the second portion of the overall amount of damage to the second cause of loss.
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Accused Products
Abstract
Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.
207 Citations
18 Claims
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1. A computer-implemented method of determining a cause of damage to a property populated with a plurality of smart devices on the property, each of the plurality of smart devices configured to monitor various conditions associated with the property, the method comprising:
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receiving, at a smart home controller disposed on the property, a set of sensor data from the plurality of smart devices recorded before, during, and after an insurance-related event; comparing, by one or more processors of the smart home controller disposed on the property, the data recorded before the insurance-related event to the data recorded during and after the insurance-related event to automatically generate a time-sequence of events for the insurance-related event; identifying from the time-sequence of events, by the one or more processors of the smart home controller disposed on the property, a first cause of loss and a second cause of loss associated with the insurance-related event; based upon the comparison, analyzing, by the one or more processors of the smart home controller disposed on the property, the set of sensor data to estimate an overall amount of damage caused by the insurance-related event; based upon the time-sequence of events, assigning, by the one or more processors of the smart home controller disposed on the property, (i) a first portion of the overall amount of damage to the first cause of loss and (ii) a second portion of the overall amount of damage to the second cause of loss, wherein each of the first portion and the second portion of the overall damage comprises at least one of a percentage of the overall amount of damage to the property or a dollar amount of the overall amount of damage; and automatically generating, by the one or more processors of the smart home controller disposed on the property, a proposed insurance claim based upon the assignment of the first portion of the overall amount of damage to the first cause of loss and the second portion of the overall amount of damage to the second cause of loss. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for determining a cause of damage to a property populated with a plurality of smart devices on the property, each of the plurality of smart devices configured to monitor various conditions associated with the property, the system being disposed on the property and comprising:
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one or more transceivers adapted to communicate data; a memory adapted to store non-transitory computer executable instructions; and one or more processors of a smart home controller adapted to interface with the communication module, wherein the one or more processors are configured to execute the non-transitory computer executable instructions to cause the one or more processors to; receive, via the one or more transceivers, a set of sensor data from the plurality of smart devices recorded before, during, and after an insurance-related event; compare, by the one or more processors, the data recorded before the insurance-related event to the data recorded during and after the insurance-related event to automatically generate a time-sequence of events for the insurance-related event; identify from the time-sequence of events, by the one or more processors, a first cause of loss and a second cause of loss associated with the insurance-related event; based upon the comparison, analyze, by the one or more processors, the set of sensor data to estimate an overall amount of damage caused by the insurance-related event; based upon the time-sequence of events, assign, by the one or more processors, (i) a first portion of the overall amount of damage to the first cause of loss and (ii) a second portion of the overall amount of damage to the second cause of loss, wherein each of the first portion and the second portion of the overall damage comprises at least one of a percentage of the overall amount of damage to the property or a dollar amount of the overall amount of damage; and automatically generate, by the one or more processors, a proposed insurance claim based upon the assignment of the first portion of the overall amount of damage to the first cause of loss and the second portion of the overall amount of damage to the second cause of loss. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium storing processor-executable instructions, that when executed cause one or more processors to:
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receiving, at a smart home controller disposed on a property, a set of sensor data from a plurality of smart devices recorded before, during, and after an insurance-related event; comparing, by one or more processors of the smart home controller disposed on the property, the data recorded before the insurance-related event to the data recorded during and after the insurance-related event to automatically generate, by the one or more processors of a smart home controller, a time-sequence of events for the insurance-related event; identify from the time-sequence of events, by the one or more processors of the smart home controller disposed on the property, a first cause of loss and a second cause of loss associated with the insurance-related event; based upon the comparison, analyze, by the one or more processors of the smart home controller disposed on the property, the set of sensor data to estimate an overall amount of damage caused by the insurance-related event; based upon the time-sequence of events, assign, by the one or more processors of the smart home controller disposed on the property, (i) a first portion of the overall amount of damage to the first cause of loss and (ii) a second portion of the overall amount of damage to the second cause of loss, wherein each of the first portion and the second portion of the overall damage comprises at least one of a percentage of the overall amount of damage to the property or a dollar amount of the overall amount of damage; and automatically generate, by the one or more processors of the smart home controller disposed on the property, a proposed insurance claim based upon the assignment of the first portion of the overall amount of damage to the first cause of loss and the second portion of the overall amount of damage to the second cause of loss. - View Dependent Claims (16, 17, 18)
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Specification