APPARATUS AND METHODS FOR ESTIMATING AN EXTENT OF PROPERTY DAMAGE

• US 20160239921A1
• Filed: 02/16/2015
• Published: 08/18/2016
• Est. Priority Date: 02/16/2015
• Status: Abandoned Application

• Current Assignee: AutoClaims Direct, Inc.
• Original Assignee: AutoClaims Direct, Inc.
• Inventors: Bray, Ernest B., Bray, Brian
• Application Number:
  US14/623,440
• Publication Number:
  US 20160239921A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Apparatus and methods for estimating the amount of damage to an item. In one embodiment, the apparatus comprises a server entity adapted to receive information from a plurality of sensor devices disposed on internal and/or external surfaces of an item. The server entity processes the information received from the sensor devices after a damage event occurs and determines an estimate of the damage to the item and each of the individual parts that were damaged. The server delivers the estimate to an insurance entity for approval and/or to a client device along with a list of repair entities. In addition, the sensor devices are able to provide continuous information with respect to the current state of an item, including when no significant damage event has occurred. Exemplary methods for accomplishing the above are also given.

Claims

1. An apparatus configured to estimate an extent of damage to at least one item, said apparatus comprising:

a first interface in communication with a plurality of sensor devices located on said at least one item;

a storage apparatus; and

a processor in communication with said storage apparatus and configured to execute at least one computer program thereon, said computer program comprising a plurality of instructions which are configured to when executed by said processor cause said apparatus to;

receive via said first interface a plurality of information from at least one of said plurality of sensor devices, said plurality of information comprising data relating to a current status of said at least one of said plurality of sensor devices; and

evaluate said data relating to said current status of said at least one of said plurality of sensor devices to determine an estimate of damage of said at least one item.

2. The apparatus of claim 1, wherein said plurality of instructions are further configured to, when executed, transmit said estimate of damage to an insurance entity associated with a user of said at least one item.

3. The apparatus of claim 2, wherein said plurality of instructions are further configured to, when executed, receive an authorization from said insurance entity regarding an accuracy to said estimate of damage.

4. The apparatus of claim 3, wherein said plurality of instructions are further configured to, when executed, when said insurance entity declines authorization regarding said accuracy to said estimate of damage, receive an insurance damage estimate to replace said estimate of damage.

5. The apparatus of claim 1, wherein said plurality of instructions are further configured to, when executed, transmit a list of a plurality of repair entities to one or more client devices.

6. The apparatus of claim 5, wherein said list of said plurality of repair entities comprises of repair entities authorized by an insurance entity associated to a user of said at least one item.

7. The apparatus of claim 5, wherein said plurality of instructions are further configured to, when executed, receive a selection of a repair entity.

8. The apparatus of claim 7, wherein said plurality of instructions are further configured to, when executed, transmit said estimate of damage and said plurality of information to said selected repair entity.

9. A method for estimating an extent of damage to at least one item, said method comprising:

receiving a plurality of information from one or more sensor devices located on one or more surfaces of said at least one item, said plurality of information comprising data relating to a damage event;

comparing said plurality of information to item specification information for determining a level of variance therefrom; and

determining a repair estimate based at least in part on said level of variance.

10. The method of claim 9, further comprising transmitting said repair estimate and said level of variance to an insurance entity associated with a user of said at least one item.

11. The method of claim 10, further comprising receiving an authorization from said insurance entity approving said estimate of damage to be transmitted to said user of said at least one item.

12. The method of claim 9, further comprising when said repair estimate is determined;

transmitting a list of repair entities to a user, said list of repair entities approved by an insurance entity associated to a user of said at least one item.

13. The method of claim 12, further comprising receiving a selected repair entity from said user via a client device.

14. The method of claim 13, further comprising transmitting said repair estimate to said selected repair entity.

15. The method of claim 9, wherein said item specification information is received from an item information source.

16. A non-transitory computer readable apparatus comprising a storage medium, said storage medium comprising at least one computer program having a plurality of instructions, said plurality of instructions configured to, when executed by a processing apparatus:

receive a plurality of information from at least one of a plurality of sensor devices, said plurality of information comprising data relating to a current status of at least one of said plurality of sensor devices; and

assess said plurality of information data relating to said current status of said at least one of said plurality of sensor devices to determine an estimate of damage of said at least one item.

17. The apparatus of claim 16, wherein said plurality of instructions are further configured to, when executed, receive an item specification information related to said at least one item.

18. The apparatus of claim 17, wherein said assessment further comprises a comparison of said plurality of information to said item specification information in order to determine said estimate of damage.

19. The apparatus of claim 16, wherein said plurality of instructions are further configured to, when executed, transmit a request to a user of said at least one item, said request comprising a confirmation of a user'"'"'s identity and said at least one item.

20. The apparatus of claim 16, wherein said plurality of instructions are further configured to, when executed, transmit said estimate of repair estimate and said plurality of information to an insurance entity associated with a user of said at least one item.