PROPERTY INSPECTION USING AERIAL IMAGERY

• US 20150025914A1
• Filed: 07/14/2014
• Published: 01/22/2015
• Est. Priority Date: 07/16/2013
• Status: Active Grant

• Current Assignee: Esurance Insurance Services Incorporated (Allstate Corporation)
• Original Assignee: Esurance Insurance Services Incorporated (Allstate Corporation)
• Inventors: LEKAS, Stephen Nicholas
• Granted Patent: US 10,529,026 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06V 20/176 Urban or other man-made structures

Abstract

A method, system and computer-readable medium are provided for performing a property inspection using aerial images, the method including the steps of receiving an indication of a request from a user to receive a quote regarding a property, identifying the property, retrieving one or more aerial images associated with the property, extracting information regarding the property from the one or more aerial images and providing an insurance decision for the property to the user according to the extracted information from the one or more aerial images in response to the request from the user.

Claims

1. A method for performing a property inspection using aerial images, the method including the steps of:

receiving an indication of a request from a user to receive a quote regarding a property;

identifying the property;

retrieving one or more aerial images associated with the property;

extracting information regarding the property from the one or more aerial images; and

providing an insurance decision for the property to the user according to the extracted information from the one or more aerial images in response to the request from the user.

2. The method of claim 1, wherein providing the insurance decision comprises applying the extracted information to one or more rules or criteria for determining the insurance decision regarding the property.

3. The method of claim 1, wherein the aerial images include images of an exterior of the property.

4. The method of claim 1, wherein the aerial images include images of surrounding areas of the property.

5. The method of claim 1, wherein identifying the property comprises determining an address associated with the property.

6. The method of claim 1, wherein identifying the property comprises determining a latitude and longitude of the property.

7. The method of claim 1, wherein retrieving one or more aerial images associated with the properly comprises;

sending a request to one or more remote services storing aerial imagery, the request including an identification of the property; and

receiving the one or more aerial images in response to the request.

8. The method of claim 1, wherein the aerial imagery includes one or more 2D or 3D satellite images.

9. The method of claim 1, wherein the aerial imagery includes hyperspectral imagery.

10. The method of claim 1, wherein the aerial imagery includes thermal imagery.

11. The method of claim 1, wherein the information includes size information regarding the property.

12. The method of claim 1, wherein the information includes feature information regarding the property.

13. The method of claim 1, wherein the extracted information includes composition information regarding one or more elements of the property.

14. The method of claim 1, wherein the extracted information includes energy leakage information.

15. The method of claim 1, wherein the extracted information includes wear and tear information.

16. The method of claim 1, wherein the property includes an improvement on real property.

17. The method of claim 1, wherein the property includes one or more of a main structure, one or more detached structures, one or more fixtures, or land housing the one or more of the main structure, the one or more detached structures or the one or more fixtures.

18. The method of claim 1, wherein the insurance decision is provided to the user in real time.

19. A system for performing a property inspection using aerial images, the system including:

one or more processors; and

a machine-readable medium including instructions stored therein, which when executed by the processors, cause the processors to perform operations including;

receiving an indication of a request from a user to receive a quote regarding a property;

identifying an address associated with the property;

retrieving one or more aerial images associated with the address;

extracting information regarding the property from the one or more aerial images;

applying the extracted information from the one or more aerial images to one or more rules or criteria for determining an insurance decision regarding the property; and

providing the insurance decision to the user in response to the request in real time, wherein the insurance decision is at least in part based on the extracted information.

20. A non-transitory computer-readable medium having computer-executable instructions stored thereon for execution by a processor to perform a method for performing a property inspection using aerial images, the method including the steps of:

receiving an indication of a request from a user to receive a quote regarding a property;

retrieving one or more aerial images associated with an address of the property, the aerial images including one or more images of the exterior of the property or surrounding areas;

extracting information regarding the property from the one or more aerial images;

providing an insurance decision tor the property to the user at least in part based on applying the extracted information from the one or more aerial images to one or more rules or criteria fur determining an insurance decision regarding the property.