Loss mitigation implementing unmanned aerial vehicles (UAVs)
First Claim
1. A computer-implemented method of mitigating potential loss using drone data, the method comprising:
- instructing, by one or more unmanned aerial vehicles, one or more sensors communicatively coupled to the one or more unmanned aerial vehicles to capture first drone data at a first date, including;
navigating to an area surrounding an insured asset;
collecting samples of data;
analyzing the sample data; and
storing the sample data as the first drone data;
wherein the one or more sensors include at least one of a soil sample extractor, a wood sample extractor, a spectrometer, or a volumetric moisture content sensor, and wherein the first drone data corresponds to an asset insured by an insurance provider via an insurance policy;
analyzing, by one or more processors, the first drone data corresponding to the insured asset to determine an amount of risk associated with the insured asset;
providing, by the one or more processors, a recommendation to a policyholder on how to reduce the amount of risk to the insured asset;
receiving, at the one or more processors, second drone data captured by the one or more sensors of the one or more unmanned aerial vehicles, wherein the second drone data corresponds to the insured asset and the second drone data is captured at a second date within a predetermined amount of time from the first date; and
updating, by the one or more processors, insurance policy data for the insurance policy based upon whether the policyholder complies with the provided recommendation according to the second drone data to facilitate providing insurance cost savings to risk averse policyholders.
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Abstract
Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured'"'"'s permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and/or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.
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Citations
20 Claims
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1. A computer-implemented method of mitigating potential loss using drone data, the method comprising:
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instructing, by one or more unmanned aerial vehicles, one or more sensors communicatively coupled to the one or more unmanned aerial vehicles to capture first drone data at a first date, including; navigating to an area surrounding an insured asset; collecting samples of data; analyzing the sample data; and storing the sample data as the first drone data; wherein the one or more sensors include at least one of a soil sample extractor, a wood sample extractor, a spectrometer, or a volumetric moisture content sensor, and wherein the first drone data corresponds to an asset insured by an insurance provider via an insurance policy; analyzing, by one or more processors, the first drone data corresponding to the insured asset to determine an amount of risk associated with the insured asset; providing, by the one or more processors, a recommendation to a policyholder on how to reduce the amount of risk to the insured asset; receiving, at the one or more processors, second drone data captured by the one or more sensors of the one or more unmanned aerial vehicles, wherein the second drone data corresponds to the insured asset and the second drone data is captured at a second date within a predetermined amount of time from the first date; and updating, by the one or more processors, insurance policy data for the insurance policy based upon whether the policyholder complies with the provided recommendation according to the second drone data to facilitate providing insurance cost savings to risk averse policyholders. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system of mitigating potential loss using drone data comprising:
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one or more unmanned aerial vehicles communicatively coupled to one or more sensors including at least one of a soil sample extractor, a wood sample extractor, a spectrometer, or a volumetric moisture content sensor, the one or more unmanned aerial vehicles configured to capture first drone data at a first date by instructing the one or more sensors to collect the first drone data, including; navigate to an area surrounding an insured asset; collect samples of data; analyze the sample data; and store the sample data as the first drone data, wherein the first drone data corresponds to the insured asset insured by an insurance provider via an insurance policy; one or more processors; a communication network; a non-transitory computer-readable memory coupled to the one or more processors, and the communication network, and storing thereon instructions that, when executed by the one or more processors, cause the system to; analyze the first drone data corresponding to the insured asset to determine an amount of risk associated with the insured asset when compared to a previously determined amount of risk; provide, via the communication network, a recommendation to a policyholder on how to reduce the amount of risk to the insured asset; receive, via the communication network, second drone data captured by the one or more sensors for the one or more unmanned aerial vehicles, wherein the second drone data corresponds to the insured asset and the second drone data is captured at a second date within a predetermined amount of time from the first date; and update insurance policy data for the insurance policy based upon whether the policyholder complies with the provided recommendation according to the second drone data to facilitate providing insurance cost savings to risk averse policyholders. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification