Systems and methods for determining cause of loss to a property
First Claim
1. A computer-implemented method of assessing damage to a property populated with a plurality of smart devices on the property, each of the plurality of smart devices (i) configured with at least one transceiver that communicates with a smart home controller and (ii) configured to monitor various conditions associated with the property, the method comprising:
- receiving, at the smart home controller via a first wired or wireless communication network, a first set of data generated by at least one sensor associated with the at least one of the plurality of smart devices;
based upon the first set of data, generating, by one or more processors of the smart home controller, a baseline condition for the property;
while an insurance related event is occurring, receiving, via the first wired or wireless communication network, a second set of data generated by the at least one sensor associated with the at least one of the plurality of smart devices;
comparing, by the one or more processors of the smart home controller, the second set of data generated by the at least one sensors to the baseline condition to detect damage to the property;
in response to detecting the damage to the property and based upon the comparison, determining, by the one or more processors of the smart home controller, a sequence of events that caused the damage to the property;
assigning, by the one or more processors of the smart home controller, a first percentage to a first cause of damage and a second percentage to a second cause of damage;
automatically generating, by the one or more processors of the smart home controller, a proposed insurance claim for at least one of (i) the first cause of damage, or (ii) the second cause of damage based upon the sequence of events;
prepopulating, by the one or more processors of the smart home controller, the proposed insurance claim with the assigned first percentage to the first cause of damage and the assigned second percentage to the second cause of damage;
transmitting, via a second wireless communication network, the proposed insurance claim to at least one of an individual associated with the property such that the at least one of the individual is capable of viewing the proposed insurance claim;
receiving from the individual, via the second communication network, a modification to the proposed insurance claim;
determining, by the one or more processors, whether the modification is consistent with the determined sequence of events by analyzing at the second set of data;
when the modification is consistent with the determined sequence of events, submitting, by the one or more processors, the modified insurance claim to the insurance provider for processing; and
when the modification is not consistent with the determined sequence of events, notifying, by the one or more processors, the individual that the modification is not consistent with the determined sequence of events.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.
184 Citations
15 Claims
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1. A computer-implemented method of assessing damage to a property populated with a plurality of smart devices on the property, each of the plurality of smart devices (i) configured with at least one transceiver that communicates with a smart home controller and (ii) configured to monitor various conditions associated with the property, the method comprising:
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receiving, at the smart home controller via a first wired or wireless communication network, a first set of data generated by at least one sensor associated with the at least one of the plurality of smart devices; based upon the first set of data, generating, by one or more processors of the smart home controller, a baseline condition for the property; while an insurance related event is occurring, receiving, via the first wired or wireless communication network, a second set of data generated by the at least one sensor associated with the at least one of the plurality of smart devices; comparing, by the one or more processors of the smart home controller, the second set of data generated by the at least one sensors to the baseline condition to detect damage to the property; in response to detecting the damage to the property and based upon the comparison, determining, by the one or more processors of the smart home controller, a sequence of events that caused the damage to the property; assigning, by the one or more processors of the smart home controller, a first percentage to a first cause of damage and a second percentage to a second cause of damage; automatically generating, by the one or more processors of the smart home controller, a proposed insurance claim for at least one of (i) the first cause of damage, or (ii) the second cause of damage based upon the sequence of events; prepopulating, by the one or more processors of the smart home controller, the proposed insurance claim with the assigned first percentage to the first cause of damage and the assigned second percentage to the second cause of damage; transmitting, via a second wireless communication network, the proposed insurance claim to at least one of an individual associated with the property such that the at least one of the individual is capable of viewing the proposed insurance claim; receiving from the individual, via the second communication network, a modification to the proposed insurance claim; determining, by the one or more processors, whether the modification is consistent with the determined sequence of events by analyzing at the second set of data; when the modification is consistent with the determined sequence of events, submitting, by the one or more processors, the modified insurance claim to the insurance provider for processing; and when the modification is not consistent with the determined sequence of events, notifying, by the one or more processors, the individual that the modification is not consistent with the determined sequence of events. - View Dependent Claims (2, 3, 4, 5, 6, 7, 15)
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8. A system comprising a smart home controller for assessing damage to a property populated with a plurality of smart devices on the property, each of the plurality of smart devices (i) configured with at least one transceiver that communicates with a smart home controller and (ii) configured to monitor various conditions associated with the property, the smart home controller comprising:
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a communication module adapted to communicate data; a memory adapted to store non-transitory computer executable instructions; and one or more processors 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 communication module, a first set of data generated by at least one sensor associated with at least one of the plurality of smart devices; based upon the first set of data, generate, by the one or more processors, a baseline condition for the property; while an insurance related event is occurring, receive, via the communication module, a second set of data generated by the at least one sensor associated with the at least one of the plurality of smart devices; compare, by the one or more processors, the second set of data generated by the at least one sensors to the baseline condition to detect damage to the property; in response to detecting the damage to the property and based upon the comparison, determine, by the one or more processors, a sequence of events that caused the damage to the property; assigning, by the one or more processors, a first percentage to a first cause of damage and a second percentage to a second cause of damage; automatically generate, by the one or more processors, a proposed insurance claim for at least one of (i) the first cause of damage, or (ii) the second cause of damage based upon the sequence of events; prepopulate, by the one or more processors, the proposed insurance claim with the assigned first percentage to the first cause of damage and the assigned second percentage to the second cause of damage; and transmit, via the communication module, the proposed insurance claim to at least one of an individual associated with the property or an insurance provider associated with the property such that the at least one of the individual or the insurance provider is capable of viewing the proposed insurance claim; receive from the individual, via the communication module, a modification to the proposed insurance claim; determine whether the modification is consistent with the determined sequence of events by analyzing at the second set of data; when the modification is consistent with the determined sequence of events, submit, the modified insurance claim to the insurance provider for processing; and when the modification is not consistent with the determined sequence of events, notify the individual that the modification is not consistent with the determined sequence of events. - View Dependent Claims (9, 10, 11, 12)
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13. A non-transitory computer-readable storage medium storing processor-executable instructions, that when executed cause one or more processors of a smart home controller to:
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receive, at the smart home controller via a first wired or wireless communication network, a first set of data generated by at least one sensor associated with the at least one of the plurality of smart devices; based upon the first set of data, generate a baseline condition for the property; while an insurance related event is occurring, receive, via the first wired or wireless communication network, a second set of data generated by the at least one sensor associated with the at least one of the plurality of smart devices; compare the second set of data generated by the at least one sensors to the baseline condition to detect damage to the property; in response to detecting the damage to the property and based upon the comparison, determine a sequence of events that caused the damage to the property; assigning a first percentage to a first cause of damage and a second percentage to a second cause of damage; and automatically generate a proposed insurance claim for at least one of (i) the first cause of damage, or (ii) the second cause of damage based upon the sequence of events prepopulate the proposed insurance claim with the assigned first percentage to the first cause of damage and the assigned second percentage to the second cause of damage; and transmit, via a second wired or wireless communication network, the proposed insurance claim to at least one of an individual associated with the property or an insurance provider associated with the property such that the at least one of the individual or the insurance provider is capable of viewing the proposed insurance claim; receive from the individual, via the second wired or wireless communication network, a modification to the proposed insurance claim; determine whether the modification is consistent with the determined sequence of events by analyzing at the second set of data; when the modification is consistent with the determined sequence of events, submit, the modified insurance claim to the insurance provider for processing; and when the modification is not consistent with the determined sequence of events, notify the individual that the modification is not consistent with the determined sequence of events. - View Dependent Claims (14)
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Specification