MOBILE APPLICATION FOR RISK MANAGEMENT
First Claim
1. A method performed by a data processor of a mobile computing device for providing mitigatable item information for real property, the method comprising:
- providing the data processor, a memory, and at least one sensor, wherein the memory and the at least one sensor are operatively coupled to the data processor;
receiving a user request at the mobile computing device to collect local data within a predetermined vicinity of a piece of real property, the user request including the predetermined vicinity, the local data to be collected using the at least one sensor wherein the local data includes information related to mitigatable items that can be mitigated to reduce a wildfire risk associated with the property;
collecting the local data via the at least one sensor;
determining, via the data processor accessing the memory, one or more of the mitigatable items using the local data;
providing information related to the one or more of the mitigatable items to the user; and
storing the local data to the memory.
2 Assignments
0 Petitions
Accused Products
Abstract
A system and method provide determining a risk of a natural hazard associated with a piece of real property and identifying mitigatable items located around the property by collecting local data using at least one sensor. The local data includes information related to risk factors associated with the property. In an embodiment, the local data is collected using a mobile computing device that includes at least one sensor and a mobile application. External data may be also combined with the local data for further analysis to identify mitigatable items. After identifying mitigatable items around the property, the mitigatable items can be modified or removed to reduce the risk of a natural hazard associated with the property. The systems and methods further include computing, using a data processor, an insurance premium of an insurance policy using a computed risk level of a natural hazard associated with the property.
185 Citations
25 Claims
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1. A method performed by a data processor of a mobile computing device for providing mitigatable item information for real property, the method comprising:
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providing the data processor, a memory, and at least one sensor, wherein the memory and the at least one sensor are operatively coupled to the data processor; receiving a user request at the mobile computing device to collect local data within a predetermined vicinity of a piece of real property, the user request including the predetermined vicinity, the local data to be collected using the at least one sensor wherein the local data includes information related to mitigatable items that can be mitigated to reduce a wildfire risk associated with the property; collecting the local data via the at least one sensor; determining, via the data processor accessing the memory, one or more of the mitigatable items using the local data; providing information related to the one or more of the mitigatable items to the user; and storing the local data to the memory. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 21, 22, 23, 24, 25)
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15. A non-transitory computer-readable storage medium comprising a plurality of computer-readable instructions tangibly embodied on the computer-readable storage medium, which, when executed by a data processor, provide mitigatable item information for real property, the plurality of instructions comprising:
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instructions that cause the data processor to receive a user request to collect local data within a predetermined vicinity of a piece of real property using at least one sensor operatively coupled to a mobile computing device wherein the local data includes information related to mitigatable items that can be mitigated by a user to reduce a wildfire risk associated with the property; instructions that cause the data processor to collect the local data using the at least one sensor; instructions that cause the data processor to determine one or more of the mitigatable items using the at least one sensor; and instructions that cause the data processor to display, on a graphical user interface of the mobile computing device, the one or more of the mitigatable items. - View Dependent Claims (16)
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17. A method of providing an insurance policy for real property, the method comprising:
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providing a data processor; receiving local data related to a predetermined vicinity of a piece of real property, which is collected by at least one sensor, wherein the local data includes information related to mitigatable items that can be mitigated to reduce a wildfire risk associated with the real property; computing, using the data processor, at least based on the local data, a risk level of the wildfire risk associated with the real property; determining, using the data processor, whether the risk level is less than a threshold; and issuing an insurance policy for the real property with an insurance premium, if the risk level is less than the threshold. - View Dependent Claims (18, 19, 20)
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Specification