Method and system for providing geohazard information to customers

• US 8,712,805 B1
• Filed: 10/22/2010
• Issued: 04/29/2014
• Est. Priority Date: 03/31/2010
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Hopkins, John Chandler III, Ferries, John Robert Thomas
• Primary Examiner(s): NGUYEN, TIEN C
• Application Number:
  US12/910,159
• Time in Patent Office: 1,285 Days
• Field of Search: 705/4, 702/5, 702/2, 382/106, 382/113, 382/175, 340/604, 707/102
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/16 Real estate

Abstract

A method of displaying geohazard information to a user includes providing a computer having a processor and receiving a search query from the user. The method also includes accessing, using the processor, a real estate database, determining, using the processor, a plurality of homes in the real estate database matching the search query, and displaying information related to the plurality of homes to the user. The method further includes accessing, using the processor, a geohazard database, determining, using the processor, one or more geohazards for one or more of the plurality of homes, and displaying information related to the one or more geohazards to the user.

Claims

1. A method of displaying geohazard information to a user, the method including:

providing a computer having a processor;

receiving a search query from the user;

accessing, using the processor, a real estate database;

determining, using the processor, a plurality of homes in the real estate database matching the search query;

displaying information related to the plurality of homes to the user;

accessing, using the processor, a geohazard database;

determining, using the processor, one or more geohazards for one or more of the plurality of homes; and

displaying information related to the one or more geohazards to the user.

2. The method of claim 1 wherein receiving the search query from the user comprises receiving the search query through a network.

3. The method of claim 2 wherein the search query is received through an Internet web page and displaying information related to the plurality of homes to the user comprises displaying information through the Internet web page.

4. The method of claim 3 wherein displaying information related to the one or more geohazards comprises displaying information through the Internet web page.

5. The method of claim 1 wherein the real estate database comprises MLS information.

6. The method of claim 1 wherein the geohazard database comprises a proprietary geohazard database.

7. The method of claim 1 wherein the one or more geohazards comprise at least one of location in a flood plain, location in a brush fire zone, location in an area susceptible to a sinkhole, or location in a tornado alley.

8. The method claim 1, further comprising:

computing, using the processor, an insurance risk associated with each of the plurality of homes using the information related to the one or more geohazards for the one or more of the plurality of homes; and

displaying information related to the insurance risk associated with each of the plurality of homes.

9. The method of claim 8 wherein the information related to the insurance risk includes an additional insurance premium associated with the determined one or more geohazards applicable to each of the one or more of the plurality of homes.

10. A method of informing a user of an insurability status based on geohazards, the method comprising:

providing a computer having a processor;

receiving an address from the user, wherein a property is associated with the address;

accessing a geohazard database;

determining, using the processor, one or more geohazards associated with the property;

determining, using the processor, if the property is insurable;

if the property is insurable;

accessing an insurance database;

computing, using the processor, a baseline insurance premium for the property;

computing, using the processor, an additional insurance premium based on the one or more geohazards; and

displaying an insurance premium for the property, wherein the insurance premium includes the baseline insurance premium and the additional insurance premium; and

if the property is uninsurable, notifying the user that the property is uninsurable.

11. The method of claim 10 wherein receiving the address from the user comprises receiving the address through a network.

12. The method of claim 11 wherein notifying the user that the property is uninsurable comprises notifying the user through an Internet web page.

13. The method of claim 10 wherein the computer and the geohazards database is provided by an insurance company.

14. The method of claim 13 wherein the insurance database is provided by the insurance company.

15. The method of claim 10 wherein the geohazard database comprises a proprietary geohazard database.

16. The method of claim 10 wherein the one or more geohazards comprise at least one of location in a flood plain or location in a brush fire zone.

17. A non-transitory computer-readable storage medium comprising a plurality of computer-readable instructions tangibly embodied on the computer-readable storage medium, which, when executed by a data processor, display geohazard information to a user, the plurality of instructions comprising:

instructions that cause the data processor to receive a search query from the user;

instructions that cause the data processor to access a real estate database;

instructions that cause the data processor to determine a plurality of homes in the real estate database matching the search query;

instructions that cause the data processor to display information related to the plurality of homes to the user;

instructions that cause the data processor to access a geohazard database;

instructions that cause the data processor to determine one or more geohazards for each of the plurality of homes; and

instructions that cause the data processor to display information related to the one or more geohazards to the user.

18. The computer-readable storage medium of claim 17 wherein the search query comprises a search query received through a network.

19. The computer-readable storage medium of claim 18 wherein the information related to the plurality of homes is displayed through an Internet web page.

20. The computer-readable storage medium of claim 19 wherein the information related to the one or more geohazards is displayed through the Internet web page adjacent to the information related to the plurality of homes.