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Spectral image classification of rooftop condition for use in property insurance

  • US 8,775,219 B2
  • Filed: 07/13/2012
  • Issued: 07/08/2014
  • Est. Priority Date: 07/13/2012
  • Status: Active Grant
First Claim
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1. A method for aerially assessing roof type and conditions in a geographic area to determine property liability, comprising the steps of:

  • creating a database, coupled to a computer processor, of spectral information for roof materials found in the geographic area;

    building, by said computer processor, a model of the geographic area to identify roof objects using aerial photos;

    mapping the geographic area using an airborne hyperspectral or multi-spectral imager to collect high resolution aerial spectral images;

    measuring, by said computer processor, requisite geopositional data to accurately locate aerial imagery to geographic area of interest;

    analyzing, by said computer processor, the high resolution aerial spectral images to characterize the condition of roof objects according to the geographic property model by comparing the images with the reference spectral information from the database;

    associating, by said computer processor, the roof objects with geographic identifications of specific properties; and

    developing property liability assessments for the specific properties based on the comparisons.

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