Method and system for property damage analysis

• US 9,158,869 B2
• Filed: 07/05/2012
• Issued: 10/13/2015
• Est. Priority Date: 01/11/2011
• Status: Active Grant

• Current Assignee: Accurence, Inc. (CoreLogic Incorporated)
• Original Assignee: Accurence, Inc. (CoreLogic Incorporated)
• Inventors: Labrie, Zachary, Zamora, Benjamin, Bruffey, Tim
• Primary Examiner(s): Chad, Aniss
• Application Number:
  US13/542,541
• Publication Number:
  US 20120311053A1
• Time in Patent Office: 1,195 Days
• Field of Search: 703/1
• US Class Current: 1/1
• CPC Class Codes: G06F 30/13 Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/063 Operations research, analysis or management
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system and method for intelligently combining CAD, inspection, and building guideline data for intelligently setting roof facet directionality, analyzing repair and replacement decisions and estimating material, material waste and recyclables, material recycling requirements, and repair or replacement costs for building facets is described. One embodiment includes receiving digital inspection data of a building facet of a property; receiving a first layer of geographic-based guideline data; receiving a second layer of geographic-based guideline data; reconciling a conflict between guideline data of the first and second layers of guideline data to reach a resulting guideline data item; determining a repair indicator for the building facet based at least in part on the resulting guideline data item and the digital inspection data; and sending an electronic message, wherein the electronic message includes at least a portion of the digital inspection data and the repair indicator.

Claims

1. A method for property repair analysis, comprising:

receiving, by an at least one network communications interface of a computer, digital inspection data of a building facet of a property;

receiving, by the at least one network communications interface of the computer, a first layer of geographic-based guideline data, the first layer including a plurality of guideline data items;

receiving, by the at least one network communications interface of the computer, a second layer of geographic-based guideline data;

compressing the first layer of geographic-based guideline data and the second layer of geographic-based guideline data;

during the compressing, determining that a first conflict exists between a first guideline data item of the first layer of geographic-based guideline data and a first guideline data item of the second layer of geographic-based guideline data;

reconciling the first conflict to generate a resulting guideline data item, wherein reconciling the first conflict comprises;

determining that the first layer of geographic-based guideline data is more local as compared to the second layer of geographic-based guideline data; and

based on determining that the first layer of geographic-based guideline data is more local as compared to the second layer of geographic-based guideline data, selecting the first guideline data item of the first layer of geographic-based guideline data over the first guideline data item of the second layer of geographic-based guideline data to be included in the resulting guideline data item;

determining a repair indicator for the building facet based at least in part on the resulting guideline data item and the digital inspection data; and

sending, using the at least one network communications interface of the computer, an electronic message, the electronic message including at least a portion of the digital inspection data and the repair indicator.

2. The method of claim 1, further comprising:

reconciling a second conflict between a second guideline data item of the first layer of geographic-based guideline data and a second guideline data item of the second layer of geographic-based guideline data, wherein the reconciling the second conflict is based at least in part on one or more of property type, material type, and rule or guideline strictness.

3. The method of claim 2, wherein the first layer of geographic-based guideline data comprises local building codes, wherein the second layer of geographic-based guideline data comprises insurer guidelines, and wherein the first layer of geographic-based guideline data takes precedence over the second layer of geographic-based guideline data.

4. The method of claim 1, wherein the first layer of digital guideline data includes guideline data items selected from a group comprising:

building code guideline data, insurance carrier guideline data, property-specific guideline data, and building facet-specific guideline data.

5. The method of claim 4, wherein the building code guideline data is selected from a group comprising:

local building code data and international building code data.

6. The method of claim 1, wherein the reconciling the first conflict is based at least in part on a time.

7. The method of claim 1, further comprising:

receiving, by the at least one network communications interface of the computer, geocoding data related to the property; and

wherein the receiving the second layer of geographic-based guideline data is based at least in part on the geocoding data.

8. The method of claim 1, further comprising:

receiving, by the at least one network communications interface of the computer, aerial computer-aided design data related to the building facet.

9. The method of claim 1, further comprising:

receiving, by the at least one network communications interface of the computer, digital geospatial data related to the property; and

wherein the determining the repair indicator for the building facet is based at least in part on the digital geospatial data.

10. The method of claim 1, further comprising:

determining an amount of building material required to repair damage to an area of the building facet, including determining an amount of waste building material, wherein determining the repair indicator for the building facet is also based at least in part upon the determined amount of waste building material.

11. A non-transitory computer-readable storage medium containing a plurality of program instructions executable by a processor of a computer for property repair analysis, the plurality of program instructions comprising:

a first set of instructions configured to cause the computer to receive digital inspection data of a building facet of a property;

a second set of instructions configured to cause the computer to receive a first layer of geographic-based guideline data, the first layer including a plurality of guideline data items;

a third set of instructions configured to cause the computer to receive, using the at least one network communication interface, a second layer of geographic-based guideline data;

a fourth set of instructions configured to compress the first layer of geographic-based guideline data and the second layer of geographic-based guideline data and during such compression determine that a first conflict exists between a first guideline data item of the first layer of geographic-based guideline data and a first guideline data item of the second layer of geographic-based guideline data;

a fifth set of instructions configured to cause the computer to reconcile, using the at least one processor, the first conflict to generate a resulting guideline data item, wherein the first conflict is reconciled by determining that the first layer of geographic-based guideline data is more local as compared to the second layer of geographic-based guideline data and then the first guideline data item of the first layer of geographic-based guideline data is selected over the first guideline data item of the second layer of geographic-based guideline data to be included in the resulting guideline data item;

a sixth set of instructions configured to cause the computer to determine, using the at least one processor, a repair indicator for the building facet based at least in part on the resulting guideline data item and the digital inspection data; and

a seventh set of instructions configured to cause the computer to send, using the at least one network communication interface, an electronic message, electronic message including at least a portion of the digital inspection data and the repair indicator.

12. The non-transitory computer-readable storage medium of claim 11, wherein the plurality of instructions further comprises:

an eighth set of instructions configured to cause the computer to reconcile, using the processor of the computer, a second conflict between a second guideline data item of the first layer of geographic-based guideline data and a second guideline data item of the second layer of geographic-based guideline data, wherein the reconciling the second conflict is based at least in part on one or more of property type, material type, and rule or guideline strictness.

13. The non-transitory computer-readable storage medium of claim 12, wherein the first layer of geographic-based guideline data comprises local building codes, wherein the second layer of geographic-based guideline data comprises insurer guidelines, and wherein the first layer of geographic-based guideline data takes precedence over the second layer of geographic-based guideline data.

14. The non-transitory computer-readable storage medium of claim 11, wherein the first layer of digital guideline data includes guideline data items selected from a group comprising:

building code guideline data, insurance carrier guideline data, property-specific guideline data, and building facet-specific guideline data.

15. The non-transitory computer-readable storage medium of claim 14, wherein the building code guideline data is selected from a group comprising:

local building code data and international building code data.

16. The non-transitory computer-readable storage medium of claim 11, wherein the fifth set of instructions configured to cause the computer to reconcile the first conflict bases the reconciliation at least in part on a time.

17. The non-transitory computer-readable storage medium of claim 11, wherein the plurality of instructions further comprises:

an eighth set of instructions configured to cause the computer to receive geocoding data related to the property; and

wherein the third set of instructions configured to cause the computer to receive the second layer of geographic-based guideline data bases the reception at least in part on the geocoding data.

18. The non-transitory computer-readable storage medium of claim 11, wherein the plurality of instructions further comprises:

an eighth set of instructions configured to cause the computer to receive aerial computer-aided design data related to the building facet.

19. The non-transitory computer-readable storage medium of claim 11, wherein the plurality of instructions further comprises:

an eighth set of instructions configured to cause the computer to receive digital geospatial data related to the property; and

wherein the sixth set of instructions configured to cause the computer to determine the repair indicator for the building facet bases the determination at least in part on the digital geospatial data.

20. A system for property repair analysis, comprising:

at least one processor;

at least one network communications interface;

a memory containing a plurality of instructions configured to cause the at least one processor to;

receive, using the at least one network communications interface, digital inspection data of a building facet of a property;

receive, using the at least one network communications interface, a first layer of geographic-based guideline data, the first layer including a plurality of guideline data items;

receive, using the at least one network communication interface, a second layer of geographic-based guideline data;

compress the first layer of geographic-based guideline data and the second layer of geographic-based guideline data and determine during the compression that a first conflict exists between a first guideline data item of the first layer of geographic-based guideline data and a first guideline data item of the second layer of geographic-based guideline data;

reconcile, using the at least one processor, the first conflict to generate a resulting guideline data item, wherein the first conflict is reconciled by determining that the first layer of geographic-based guideline data is more local as compared to the second layer of geographic-based guideline data and then the first guideline data item of the first layer of geographic-based guideline data is selected over the first guideline data item of the second layer of geographic-based guideline data to be included in the resulting guideline data item;

determine, using the at least one processor, a repair indicator for the building facet based at least in part on the resulting guideline data item and the digital inspection data; and

send, using the at least one network communications interface, an electronic message, the electronic message including at least a portion of the digital inspection data and the repair indicator.