Automated methods of inspection
First Claim
Patent Images
1. A computer-implemented method comprising:
- detecting a potential event related to a property covered by an insurance policy based on a weather prediction;
activating or deactivating data feeds based on the weather prediction;
connecting to smart devices associated with the property covered by the insurance policy;
in response to detecting an event indicated by data from the smart devices;
receiving, at an inspection engine, a loss notification indicating an expected loss associated with the property generated by an event manager;
acquiring, using one or more remote evaluation tools and data from the smart devices, property data relating to the property,wherein acquiring the property data includes collecting video data of the property by;
controlling, in real-time, flight path and camera setting of an unmanned aerial vehicle,processing the video data in real-time, andadjusting, in real-time, the flight path and the camera setting of the unmanned aerial vehicle to obtain the property data,wherein the one or more remote evaluation tools are controllable by the inspection engine,wherein acquiring, using the one or more remote evaluation tools, the property data comprises acquiring and analyzing data from an electrical grid;
generating, by a computing device, a personal profile of a person holding the insurance policy and a weather profile of a weather event affecting the property based at least in part on data from the data feeds;
comparing data associated with the weather profile with the property data so as to identify a fraudulent claim;
automatically generating, by the computing device, an estimated loss report based on the property data, the personal profile, and the weather profile; and
configuring configurable settings in a temporary living space for the person based on the personal profile and the smart devices.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and systems for providing automated methods of inspections that facilitate loss reporting and resolution are described. In some embodiments various remote evaluation tools are provided to collect information from remote locations. This information can be used to generate automated damage estimates which in turn can be used to direct the ordering of supplies, materials, and other resources. In addition, pre-damage and post-damage evaluations of an insured property may be collected using the remote evaluation tools. These evaluations can be used by adjusters (human adjusters and computer-based adjusters) to identify damage and process claims more efficiently.
48 Citations
20 Claims
-
1. A computer-implemented method comprising:
-
detecting a potential event related to a property covered by an insurance policy based on a weather prediction; activating or deactivating data feeds based on the weather prediction; connecting to smart devices associated with the property covered by the insurance policy; in response to detecting an event indicated by data from the smart devices; receiving, at an inspection engine, a loss notification indicating an expected loss associated with the property generated by an event manager; acquiring, using one or more remote evaluation tools and data from the smart devices, property data relating to the property, wherein acquiring the property data includes collecting video data of the property by; controlling, in real-time, flight path and camera setting of an unmanned aerial vehicle, processing the video data in real-time, and adjusting, in real-time, the flight path and the camera setting of the unmanned aerial vehicle to obtain the property data, wherein the one or more remote evaluation tools are controllable by the inspection engine, wherein acquiring, using the one or more remote evaluation tools, the property data comprises acquiring and analyzing data from an electrical grid; generating, by a computing device, a personal profile of a person holding the insurance policy and a weather profile of a weather event affecting the property based at least in part on data from the data feeds; comparing data associated with the weather profile with the property data so as to identify a fraudulent claim; automatically generating, by the computing device, an estimated loss report based on the property data, the personal profile, and the weather profile; and configuring configurable settings in a temporary living space for the person based on the personal profile and the smart devices. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A system comprising:
-
a communication module to; connect to smart devices associated with a property covered by an insurance policy; in response to detecting an event indicated by data from the smart devices; receive, via a network, a loss notification identifying one or more properties where a loss might have occurred; a data collection module, running on one or more processors, to; detect the potential event related to the property covered by the insurance policy based on a weather prediction, activate or deactivate data feeds based on the weather prediction, collect property data about the current status of the one or more properties using remote evaluation tools and data from the smart devices, wherein collecting the property data comprises; acquiring the property data at least in part from an electrical grid, and collecting video data of the property by; controlling, in real-time, flight path and camera setting of an unmanned aerial vehicle, processing the video data in real-time, and adjusting, in real-time, the flight path and the camera setting of the unmanned aerial vehicle to obtain the property data, an inspection engine to control the remote evaluation tools; an estimate generator to; for each of the one or more properties, generate a personal profile of an person holding an insurance policy and a weather profile of a weather event affecting each of the one or more properties based at least in part on data from the data feeds, and process the property data and produce a loss report identifying any damage to each of the one or more properties based on the status of the property, the personal profile of the person holding the insurance policy, and the weather profile, wherein data associated with the weather profile is compared with the property data so as to identify a fraudulent claim; and a resource module to configure configurable settings in a temporary living space for the person based on the personal profile and the smart devices. - View Dependent Claims (10, 11, 12, 13, 14)
-
-
15. A non-transitory computer-readable medium containing instructions that when executed by one or more processors cause a machine to:
-
detect a potential event related to a property covered by an insurance policy based on a weather prediction; activate or deactivate data fees based on the weather prediction; collect pre-event property data relating to the property covered by the insurance policy; connect to smart devices associated with the property; in response to detecting an event indicated by data from the smart devices; receive a loss notification identifying the property covered by the insurance policy; acquire, using one or more remote evaluation tools and data from the smart devices, current property data relating to the property, wherein acquiring the current property data comprises; acquiring and analyzing data from an electrical grid, and collecting video data of the property by; controlling, in real-time, flight path and camera setting of an unmanned aerial vehicle, processing the video data in real-time, and adjusting, in real-time, the flight path and the camera setting of the unmanned aerial vehicle to obtain the property data, generate a personal profile of a person holding the insurance policy and a weather profile of a weather event affecting the property based at least in part on data from the data feeds; compare data associated with the weather profile with the property data so as to identify a fraudulent claim; automatically generate an estimated loss report identifying damage to the property that would result in payout from the insurance policy, wherein the estimated loss report is based on the pre-event property data, the current property data, the personal profile, and the weather profile; and configure configurable settings in a temporary living space for the person based on the personal profile and the smart devices. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification