SYSTEM AND METHOD FOR ASSESSING A CONDITION OF PROPERTY
First Claim
1. A method for assessing a condition of a target property for insurance purposes using a remote sensor, the method comprising the steps of:
- acquiring a first spectral image of the target property at a first timestamp;
acquiring a second spectral image of the target property at a second timestamp later than the first timestamp, the remote sensor operating in at least a non-visible portion of the electromagnetic spectrum;
generating a first spectral signature from the first spectral image;
generating a second spectral signature from the second spectral image;
comparing the first spectral signature to the second spectral signature to determine a spectral difference, the spectral difference corresponding to a change in the condition of the target property;
determining if the spectral difference exceeds a threshold value; and
initiating an insurance-related action in response to the change in the condition of the target property if the spectral difference exceeds the threshold value.
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Accused Products
Abstract
A system and method for assessing a condition of property for insurance purposes includes a sensor for acquiring a spectral image. In a preferred embodiment, the spectral image is post-processed to generate at least one spectral radiance plot, the plot used as input to a radiative transfer computer model. The output of the model establishes a spectral signature for the property. Over a period of time, spectral signatures can be compared to generate a spectral difference, the difference attributed to a change in the condition of the property, such as a fire or flood. In response to the change, an insurance company initiates an insurance-related action such as processing a claim.
81 Citations
26 Claims
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1. A method for assessing a condition of a target property for insurance purposes using a remote sensor, the method comprising the steps of:
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acquiring a first spectral image of the target property at a first timestamp; acquiring a second spectral image of the target property at a second timestamp later than the first timestamp, the remote sensor operating in at least a non-visible portion of the electromagnetic spectrum; generating a first spectral signature from the first spectral image; generating a second spectral signature from the second spectral image; comparing the first spectral signature to the second spectral signature to determine a spectral difference, the spectral difference corresponding to a change in the condition of the target property; determining if the spectral difference exceeds a threshold value; and initiating an insurance-related action in response to the change in the condition of the target property if the spectral difference exceeds the threshold value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for assessing a condition of a target property for insurance purposes, the method comprising the steps of:
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generating a first spectral signature, the first spectral signature obtained from a public database, the database created at a first timestamp; generating a second spectral signature at a second timestamp later than the first timestamp, the second spectral signature acquired from a remote sensor; comparing the first spectral signature to the second spectral signature to determine a spectral difference, the spectral difference corresponding to a change in the condition of the target property; and initiating an insurance claim in response to the spectral difference, wherein the first spectral signature and the second spectral signature comprise at least one molecular constituent concentration. - View Dependent Claims (15, 16, 17)
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18. A system for assessing a condition of a target property comprising:
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a data storage device configured to store a first spectral image, a second spectral image, and a threshold value; a server coupled to the data storage device to receive the first spectral image, the second spectral image, and the threshold value; and a radiative transfer computer model in communication with the server, the radiative transfer computer model having a plurality of forward models and at least one inverse model; wherein the server is adapted to determine a first and second spectral signature utilizing the radiative transfer computer model, and to compare the first and second spectral signature for determining a spectral difference, and to compare the spectral difference to the threshold value to determine if an insurance-related action should be initiated. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26)
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Specification