Systems and methods for recording and using information about conditions present in a house or other location
First Claim
1. A system for collecting data concerning conditions present at a building, the system comprising:
- at least one subsystem that installs a data recorder in a building at least partially covered by an insurance policy;
at least one subsystem that engages in a contact with the data recorder;
at least one subsystem that receives data collected by the data recorder, the data representing at least one physical condition present at the building;
at least one subsystem that stores the data;
at least one subsystem that performs an analysis of the data;
at least one subsystem that determines whether to issue an alert to an owner of the building based on the at least one physical condition present at the building;
at least one subsystem that takes a tangible action based on the analysis; and
at least one subsystem that compares the data to data collected by another data recorder in another building, wherein the another building is associated with a different level of physical damage than the building.
1 Assignment
0 Petitions
Accused Products
Abstract
A data recorder may be installed in a house or other type of building in order to record conditions present at the building. The data recorded may be analyzed in order to forensically assess conditions that have led to damage or destruction of the building, or to prospectively forecast the possibility of future damage or destruction. A decision may be made based on analysis of the data, and an action may be taken based on the decision. Examples of data that may be recorded include temperature, wind speed, humidity, or any other information. Examples of decisions that may be made include insurance claim decisions, underwriting decisions, reinsurance decisions, alert decisions, or any other types of decisions.
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Citations
20 Claims
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1. A system for collecting data concerning conditions present at a building, the system comprising:
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at least one subsystem that installs a data recorder in a building at least partially covered by an insurance policy; at least one subsystem that engages in a contact with the data recorder; at least one subsystem that receives data collected by the data recorder, the data representing at least one physical condition present at the building; at least one subsystem that stores the data; at least one subsystem that performs an analysis of the data; at least one subsystem that determines whether to issue an alert to an owner of the building based on the at least one physical condition present at the building; at least one subsystem that takes a tangible action based on the analysis; and at least one subsystem that compares the data to data collected by another data recorder in another building, wherein the another building is associated with a different level of physical damage than the building. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for analyzing data about conditions present at a building, the system comprising:
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at least one subsystem that receives data from a data recorder located at a building at least partially covered by an insurance policy, said data representing one or more physical conditions present at said building; at least one subsystem that analyzes said data to determine a risk of damage or destruction present at said building, or to analyze a cause of damage or destruction that has occurred to said building; at least one subsystem that, subsequent to analysis of said data, makes a decision associated with whether to issue an alert to an owner of said building based on said risk of damage or destruction based on analysis of said data; at least one subsystem that takes a tangible action based on said decision and at least one subsystem that compares said data to data collected by another data recorder located at another building, wherein the another building is associated with a different level of physical damage than said building. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable medium comprising computer-readable instructions for making a decision based on data collected at a building by a data recorder, the computer-readable instructions comprising instructions that, when executed by a computer, cause the computer to perform acts comprising:
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receiving data from said data recorder, said data representing a physical condition present at a building at least partially covered by an insurance policy; analyzing said data to determine risk of future damage or destruction to said building, or to analyze a cause of past damage or destruction to said building; making a decision associated with whether to issue an alert to an owner of said building based on said risk of future damage or destruction subsequent to based on analysis of said data; taking a tangible action based on said decision; and comparing the data to data collected by another data recorder at another building, wherein the another building is associated with a different level of physical damage than said building. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification