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Spatial database system for generation of weather event and risk reports

  • US 8,386,280 B2
  • Filed: 05/16/2011
  • Issued: 02/26/2013
  • Est. Priority Date: 03/08/2006
  • Status: Active Grant
First Claim
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1. A method of generating integrated data reports, comprising:

  • (a) storing, into a computer, insurer portfolio data comprising a plurality of geographic locations within a geographic area, wherein insurance coverage is provided by the insurer in said geographic location;

    (b) storing, into the computer, one or more user risk thresholds for the insurer portfolio;

    (c) receiving, by the computer, real time data including weather;

    (d) determining, with the computer, the effects of the real time data on said insurer portfolio data plurality of geographic locations;

    (e) selecting, with the computer, a subset of said geographic locations wherein the corresponding effect of the real time data exceeds at least one of the one or more user risk thresholds;

    (f) determining a level of monetary exposure based on the effects of the real time data on said insurer portfolio data plurality of geographic locations, the level of exposure being capable of expression as a monetary value; and

    (g) providing, by the computer, a report specifying the level of monetary exposure or the subset of said geographic locations.

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