SYSTEMS AND METHODS FOR UTILIZING SENSOR INFORMATICS TO DETERMINE INSURANCE COVERAGE AND RECOVERABLE DEPRECIATION FOR PERSONAL OR BUSINESS PROPERTY
First Claim
Patent Images
1. A computer system for processing data, comprising:
- a memory configured. to store instructions;
a processor disposed in communication with the memory, wherein the processor upon execution of the instructions is configured to;
receive informatic data from one or more informatic sensor devices relating to one or more objects associated with an insured property;
perform analysis on the received informatic data to determine an insurance claim event for at least one of the one or more objects associated with the insured property; and
perform analysis on the received informatic data to determine if recoverable depreciation is applicable to a determined insurance claim.
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Abstract
A computer device and method for processing data to determine insurance coverage for objects and associated recoverable depreciation based upon informatic data. Informatic data is received from one or more informatic sensor devices relating to one or more objects associated with an insured property. Computer analysis is performed on the received informatic data to determine an insurance claim event for at least one of the one or more objects associated with the insured property. Computer analysis is also performed on the received informatic data to determine if recoverable depreciation is applicable to a determined insurance claim.
110 Citations
20 Claims
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1. A computer system for processing data, comprising:
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a memory configured. to store instructions; a processor disposed in communication with the memory, wherein the processor upon execution of the instructions is configured to; receive informatic data from one or more informatic sensor devices relating to one or more objects associated with an insured property; perform analysis on the received informatic data to determine an insurance claim event for at least one of the one or more objects associated with the insured property; and perform analysis on the received informatic data to determine if recoverable depreciation is applicable to a determined insurance claim. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 15, 16)
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12. A computer system for processing data, comprising:
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a memory configured to store instructions; a processor disposed in communication with the memory, wherein the processor upon execution of the instructions is configured to; receive informatic data from one or more informatic sensor devices relating to one or more objects associated with an insured property; perform analysis on the received informatic data to determine an insurance claim event for at least one of the one or more objects associated with the insured property; receive an insurance policy associated with the insured property; analyze the insurance policy to identify one or more relevant sections of the insurance policy relating to the determined insurance claim event regarding the at least one object; apply predefined business rules using the determined insurance claim event and relevant sections of the insurance policy to determine if the insurance policy supports an insurance claim regarding the determined insurance claim event; and perform analysis on the received informatic data to determine if recoverable depreciation is applicable to a determined insurance claim. - View Dependent Claims (13, 14, 17, 18)
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19. A computer implemented method for processing insurance data comprising:
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receive, by processor, informatic data from one or more informatic sensor devices relating to one or more objects associated with an insured property; perform, by processor, analysis on the received informatic data to determine an insurance claim event for at least one of the one or more objects associated with the insured property; receive, by processor, an insurance policy associated with the insured property; analyze, by processor, the insurance policy to identify one or more relevant sections of the insurance policy relating to the determined insurance claim event regarding the at least one object; apply, by processor, predefined business rules using the determined insurance claim event and relevant sections of the insurance policy to determine if the insurance policy supports an insurance claim regarding the determined insurance claim event; and perform analysis on the received informatic data to determine if recoverable depreciation is applicable to a determined insurance claim. - View Dependent Claims (20)
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Specification