Automatic Hail Damage Detection And Repair
First Claim
1. A computer-implemented method comprising:
- receiving, at an enhanced claims processing server, a notice of loss associated with a damaged item;
receiving, at the enhanced claims processing server, damage information comprising;
a size of an instance of hail damage,a severity rating of the instance of hail damage, andan image of the instance of hail damage;
determining, by the enhanced claims processing server, a cost estimate for the damage information by comparing the damage information against a database comprising expected cost information;
generating, by the enhanced claims processing server, a damage summary comprising the damage information and the damage estimate; and
transmitting, by the enhanced claims processing server, the damage summary to a repair center.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods for automatically determining damage information and publishing said damage information are provided. A notice of loss associated with a damaged item may be received. An apparatus may analyze the damaged item to determine damage information for any damage elements present on the damaged item. The damage information may be transmitted to a damage estimate server to determine a line-item cost estimate for the damaged item based on expected costs of repair for the damaged elements. The line-item cost estimate may then be presented to a repair service provider as an offer to repair the damaged item. Further, a database comprising the damage information and/or line-item cost estimate may be published to a marketplace for use by service providers.
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Citations
20 Claims
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1. A computer-implemented method comprising:
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receiving, at an enhanced claims processing server, a notice of loss associated with a damaged item; receiving, at the enhanced claims processing server, damage information comprising; a size of an instance of hail damage, a severity rating of the instance of hail damage, and an image of the instance of hail damage; determining, by the enhanced claims processing server, a cost estimate for the damage information by comparing the damage information against a database comprising expected cost information; generating, by the enhanced claims processing server, a damage summary comprising the damage information and the damage estimate; and transmitting, by the enhanced claims processing server, the damage summary to a repair center. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system comprising:
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one or more processors; a damage information data store that stores damage information describing a size of an instance of hail damage associated with a damaged item, a severity rating of the instance of hail damage, and an image of the instance of hail damage; a repair cost data store that stores a repair cost matrix corresponding to a various types and characteristics for the instance of hail damage; memory storing instructions that are executed by at least one of the processors and cause the system to; determine a damage type based on the damage information; determine one or more damage estimates for the instance of hail damage, and determine, using the one or more damage estimates, a repair cost amount for a repair service provider system; generate damage summary comprising a non-negotiable payment amount that is selected based on the repair cost amount and further comprising a description of the instance of hail damage; receive, from the repair service provider system associated with a repair service provider and based on the damage summary, a refusal to repair the instance of hail damage; and modify the repair cost amount based on the refusal. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer-implemented method of processing insurance claims comprising:
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receiving, at an enhanced claims processing server, a notice of loss associated with an automobile; receiving, at the enhanced claims processing server, hail damage information associated with the automobile, the hail damage information comprising; a size for each of a plurality of hail elements, a severity for the each of the plurality of hail elements, and a visual representation for the each of the plurality of hail elements; transmitting, by the enhanced claims processing server, the hail damage information to a damage estimate processing server; determining, by the damage estimate processing server, one or more cost estimates for the each of the plurality of hail elements based on comparing the size, the severity, and the visual representation for each of the plurality of hail elements against a database of hail damage estimates; generating, by the enhanced claims processing server, a damage summary associated with the automobile based on the one or more cost estimates; and transmitting, by the enhanced claims processing server, the damage summary to a repair center. - View Dependent Claims (18, 19, 20)
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Specification