Systems and methods for community-based cause of loss determination
First Claim
1. A computer-implemented method of determining a cause of damage to a first property in a community of properties, each property in the community of properties populated with a plurality of devices configured to monitor various conditions, the method comprising:
- automatically generating, by one or more processors of a smart home controller disposed on the first property, a first time-sequence of events associated with the first property for an insurance-related event based upon data recorded by sensors of the plurality of devices before, during, and after the insurance-related event, wherein the plurality of devices are disposed on or within the first property;
receiving, at the smart home controller disposed on the first property and from a second smart home controller disposed on the second property, a second time-sequence of events associated with a second property in the community of properties for the insurance-related event;
comparing, by the one or more processors, the first time-sequence of events to the second time-sequence of events;
based upon the comparison, determining, by the one or more processors, a first cause of loss and a second cause of loss for the first property associated with the insurance-related event;
assigning, by the one or more processors, (i) a first portion of damage to the first property to the first cause of loss, and (ii) a second portion of damage to the first property to the second cause of loss; and
automatically generating, by the one or more processors, a proposed insurance claim according to the assigning.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and systems for determining a cause of loss to a property for damage associated with an insurance-related event based upon data received from a second property. A smart home (or other building) controller and/or an insurance provider remote processor may generate a time sequence of events for damage associated with an insure-related event. The smart home controller or remote processor may also receive a time-sequence of events generated by a smart home controller associated with a second property. The smart home controller or remote processor may compare the two time-sequences of events to determine causes of loss associated with damage to the property. The compared data may be further used to assign a portion of the overall damage to each cause of loss. Subsequently, the smart home controller or remote processor may automatically generate an insurance claim for damage to the property associated with the insurance-related event.
187 Citations
20 Claims
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1. A computer-implemented method of determining a cause of damage to a first property in a community of properties, each property in the community of properties populated with a plurality of devices configured to monitor various conditions, the method comprising:
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automatically generating, by one or more processors of a smart home controller disposed on the first property, a first time-sequence of events associated with the first property for an insurance-related event based upon data recorded by sensors of the plurality of devices before, during, and after the insurance-related event, wherein the plurality of devices are disposed on or within the first property; receiving, at the smart home controller disposed on the first property and from a second smart home controller disposed on the second property, a second time-sequence of events associated with a second property in the community of properties for the insurance-related event; comparing, by the one or more processors, the first time-sequence of events to the second time-sequence of events; based upon the comparison, determining, by the one or more processors, a first cause of loss and a second cause of loss for the first property associated with the insurance-related event; assigning, by the one or more processors, (i) a first portion of damage to the first property to the first cause of loss, and (ii) a second portion of damage to the first property to the second cause of loss; and automatically generating, by the one or more processors, a proposed insurance claim according to the assigning. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for determining a cause of damage to a first property in a community of properties, each property in the community of properties populated with a plurality of devices configured to monitor various conditions, the system being disposed on the first property, the system comprising:
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one or more transceivers adapted to communicate data; a memory adapted to store non-transitory computer executable instructions; and one or more processors adapted to interface with the one or more transceivers, wherein the one or more processors are configured to execute the non-transitory computer executable instructions to cause the system to; automatically generate, by one or more processors of a smart home controller disposed on the first property, a first time-sequence of events associated with the first property for an insurance-related event based upon data recorded by sensors of the plurality of devices before, during, and after the insurance-related event, wherein the plurality of devices are disposed on or within the first property; receive, via the one or more transceivers of the smart home controller disposed on the first property and from a second smart home controller disposed on the second property, a second time-sequence of events associated with a second property in the community of properties for the insurance-related event; compare the first time-sequence of events to the second time-sequence of events; based upon the comparison, determine a first cause of loss and a second cause of loss for the first property associated with the insurance-related event; assign, by the one or more processors, (i) a first portion of the damage to the first property to the first cause of loss and (ii) a second portion of the damage to the first property to the second cause of loss; and automatically generate, by the one or more processors, a proposed insurance claim according to the assigning. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A non-transitory computer-readable storage medium storing processor-executable instructions, that when executed cause one or more processors to:
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automatically generate, by one or more processors of a smart home controller disposed on the first property, a first time-sequence of events associated with a first property for an insurance-related event based upon data recorded by sensors of the plurality of devices configured to monitor respective conditions associated with the first property before, during, and after the insurance-related event, wherein the plurality of devices are disposed on or within the first property; receive at the smart home controller disposed on the first property and from a second smart home controller disposed on the second property, a second time-sequence of events associated with a second property in the community of properties for the insurance-related event; compare, by the one or more processors, the first time-sequence of events to the second time-sequence of events; based upon the comparison, determine, by the one or more processors, a first cause of loss and a second cause of loss for the first property associated with the insurance-related event; assign, by the one or more processors, (i) a first portion of the damage to the first property to the first cause of loss and (ii) a second portion of the damage to the first property to the second cause of loss; and automatically generate, by the one or more processors, a proposed insurance claim according to the assigning.
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Specification