Determining insurance policy modifications using informatic sensor data
First Claim
1. A system, comprising:
- a plurality of sensors associated with a plurality of structures, wherein the plurality of sensors is configured to acquire a plurality of data sets associated with the plurality of structures;
a processor configured to;
receive the plurality of data sets from the plurality of sensors;
determine one or more environmental conditions associated with the plurality of structures over a period of time, wherein the processor is configured to determine the one or more environmental conditions based on an average wind speed of a plurality of wind speeds and/or seismic data acquired via the plurality of sensors over a period of time;
determine a structural condition associated with one of the plurality of structures based on the plurality of data sets;
determine a maintenance condition associated with the one of the plurality of structures based on an age, a type, or any combination thereof associated with the one of the plurality of structures;
determine one or more operating parameters associated with one or more appliances within the one of the plurality of structures based on the plurality of data sets;
determine one or more habits of one or more occupants associated with the one of the plurality of structures based on the plurality of data sets; and
adjust one or more properties of an insurance policy associated with the one of the plurality of structures based on the one or more environmental conditions, the structural condition, the maintenance condition, the one or more operating parameters, and the one or more habits.
1 Assignment
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Accused Products
Abstract
A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.
384 Citations
17 Claims
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1. A system, comprising:
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a plurality of sensors associated with a plurality of structures, wherein the plurality of sensors is configured to acquire a plurality of data sets associated with the plurality of structures; a processor configured to; receive the plurality of data sets from the plurality of sensors; determine one or more environmental conditions associated with the plurality of structures over a period of time, wherein the processor is configured to determine the one or more environmental conditions based on an average wind speed of a plurality of wind speeds and/or seismic data acquired via the plurality of sensors over a period of time; determine a structural condition associated with one of the plurality of structures based on the plurality of data sets; determine a maintenance condition associated with the one of the plurality of structures based on an age, a type, or any combination thereof associated with the one of the plurality of structures; determine one or more operating parameters associated with one or more appliances within the one of the plurality of structures based on the plurality of data sets; determine one or more habits of one or more occupants associated with the one of the plurality of structures based on the plurality of data sets; and adjust one or more properties of an insurance policy associated with the one of the plurality of structures based on the one or more environmental conditions, the structural condition, the maintenance condition, the one or more operating parameters, and the one or more habits. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method, comprising:
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receiving, via a processor, a plurality of data sets from a plurality of sensors associated with a plurality of structures, wherein the plurality of sensors is configured to acquire the plurality of data sets; determining, via the processor, one or more environmental conditions associated with the plurality of structures over a period of time, wherein the processor is configured to determine the one or more environmental conditions based on an average wind speed of a plurality of wind speeds and/or seismic data acquired via the plurality of sensors over a period of time; determining, via the processor, a structural condition associated with one of the plurality of structures based on the plurality of data sets; determining, via the processor, a maintenance condition associated with the one of the plurality of structures based on an age, a type, or any combination thereof associated with the plurality of structures; determining, via the processor, one or more operating parameters associated with one or more appliances within the one of the plurality of structures based on the plurality of data sets; determining, via the processor, one or more habits of one or more occupants associated with the one of the plurality of structures based on the plurality of data sets; and adjusting, via the processor, one or more properties of an insurance policy associated with the one of the plurality of structures based on at least two of; the one or more environmental conditions; the structural condition; the maintenance condition; the one or more operating parameters; and the one or more habits. - View Dependent Claims (8, 9, 10, 11, 12, 13)
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14. A computer-readable medium comprising computer-executable instructions configured to cause a processor to:
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receive a plurality of data sets from a plurality of sensors associated with a plurality of structures, wherein the plurality of sensors is configured to acquire the plurality of data sets associated with the plurality of structures; determine one or more environmental conditions associated with the plurality of structures over a period of time, wherein the processor is configured to determine the one or more environmental conditions based on an average wind speed of a plurality of wind speeds and/or seismic data acquired via the plurality of sensors over a period of time; determine a structural condition associated with one of the plurality of structures based on the plurality of data sets; determine a maintenance condition associated with the one of the plurality of structures based on an age, a type, or any combination thereof associated with the one of the plurality of structures; determine one or more operating parameters associated with one or more appliances within the one of the plurality of structures based on the plurality of data sets; determine one or more habits of one or more occupants associated with the one of the plurality of structures based on the plurality of data sets; and adjust one or more properties of an insurance policy associated with the one of the plurality of structures based on the one or more environmental conditions, the structural condition, the maintenance condition, the one or more operating parameters, and the one or more habits. - View Dependent Claims (15, 16, 17)
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Specification