Patent Issued for Providing data associated with insured losses (USPTO 11164263): State Farm Mutual Automobile Insurance Company
2021 NOV 19 (NewsRx) -- By a
The patent’s assignee for patent number 11164263 is
News editors obtained the following quote from the background information supplied by the inventors: “Existing techniques for coordinating a response of an insurance provider to a storm primarily involve representatives of the insurance provider accessing online weather maps to track the storm, and assessing damage after the storm. Frequently, to assess damage, initial claims data is reviewed in conjunction with reports from representatives who are at the site of the storm damage. Based on such information, representatives and other resources are deployed. Unfortunately, the site of storm damage may be physically inaccessible for some time after the storm, and initial claims data may be inaccurately reported by insured parties.”
As a supplement to the background information on this patent, NewsRx correspondents also obtained the inventors’ summary information for this patent: “This Summary is provided to introduce a selection of concepts in a simplified form that are further described below in the Detailed Description. This Summary is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.
“In one embodiment, a computer-implemented method for providing data associated with insured losses may be provided. The method may include receiving, using one or more processors, data regarding an event that is a cause of the insured losses. The method may also include receiving, using the one or more processors, for each of a plurality of properties insured by an insurance provider, a respective indication of a location of the property. The plurality of properties may sustain the insured losses. The method may also include receiving, from at least one image capturing device, image data obtained from an aerial view of the plurality of properties. The image data may be indicative, for each of the plurality of properties, of a respective condition of the property after the property sustains a respective one or more of the insured losses. The method may additionally include processing, using the one or more processors, the image data received from the at least one image capturing device to determine, for each of the plurality of properties, an indication of the respective condition of the property after the property sustains the respective one or more of the insured losses. The method may further include providing, using the one or more processors via a user interface, the data associated with the insured losses. The data associated with the insured losses may include (i) the respective indications of the locations of each of the plurality of properties, and (ii) the indications of the respective conditions of each of the plurality of properties after the plurality of properties sustains the insured losses.
“In another embodiment, a computing device for providing data associated with insured losses may be provided. The computing device may include one or more processors and one or more memories coupled to the one or more processors. The one or more memories may include non-transitory computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to receive data regarding an event that is a cause of the insured losses. The non-transitory computer executable instructions, when executed by the one or more processors, may also cause the one or more processors to receive, for each of a plurality of properties insured by an insurance provider, a respective indication of a location of the property, where the plurality of properties sustain the insured losses. The non-transitory computer executable instructions, when executed by the one or more processors, may also cause the one or more processors to receive, from at least one image capturing device, image data obtained from an aerial view of the plurality of properties. The image data may be indicative, for each of the plurality of properties, of a respective condition of the property after the property sustains a respective one or more of the insured losses. The non-transitory computer executable instructions, when executed by the one or more processors, may additionally cause the one or more processors to process the image data received from the at least one image capturing device to determine, for each of the plurality of properties, an indication of the respective condition of the property after the property sustains the respective one or more of the insured losses. The non-transitory computer executable instructions, when executed by the one or more processors, may further cause the one or more processors to provide, via a user interface, the data associated with the insured losses. The data associated with the insured losses may include (i) the respective indications of the locations of each of the plurality of properties, and (ii) the indications of the respective conditions of each of the plurality of properties after the plurality of properties sustains the insured losses.
“In yet another embodiment, a computer readable storage medium may be provided that includes non-transitory computer readable instructions stored thereon for providing data associated with insured losses. The instructions, when executed by one or more computing devices, may cause the one or more computing devices to receive data regarding an event that is a cause of the insured losses. The instructions, when executed by the one or more computing devices, may also cause the one or more computing devices to receive, for each of a plurality of properties insured by an insurance provider, a respective indication of a location of the property, where the plurality of properties sustains the insured losses. The instructions, when executed by the one or more computing devices, may also cause the one or more computing devices to receive, from at least one image capturing device, image data obtained from an aerial view of the plurality of properties. The image data may be indicative, for each of the plurality of properties, of a respective condition of the property after the property sustains a respective one or more of the insured losses. The instructions, when executed by the one or more computing devices, may additionally cause the one or more computing devices to process the image data received from the at least one image capturing device to determine, for each of the plurality of properties, an indication of the respective condition of the property after the property sustains the respective one or more of the insured losses. The instructions, when executed by the one or more computing devices, may further cause the one or more computing devices to provide, via a user interface, the data associated with the insured losses. The data associated with the insured losses may include (i) the respective indications of the locations of each of the plurality of properties, and (ii) the indications of the respective conditions of each of the plurality of properties after the plurality of properties sustains the insured losses.
“The figures depict various aspects of the present invention for purposes of illustration only. One skilled in the art will readily recognize from the following discussion that alternative embodiments of the structures and methods illustrated herein may be employed without departing from the principles of the invention described herein.”
The claims supplied by the inventors are:
“1. A computer-implemented method for assessing damage to a plurality of properties, the method comprising: after an occurrence of an event that is a potential cause of insured losses, receiving, from an aerial platform via at least one network connection, image data (i) obtained by at least one image capturing device oriented on the aerial platform and (ii) depicting an aerial view of the plurality of properties; accessing previous image data depicting the plurality of properties, respectively, having a plurality of initial conditions prior to the occurrence of the event; processing, using one or more processors, the image data to determine, for each of the plurality of properties, a subsequent condition of the property after the occurrence of the event; based on processing the image data, identifying (i) a first portion of the plurality of properties each having the subsequent condition that is different from the initial condition, and (ii) a second portion of the plurality of properties each having the subsequent condition that is not different from the initial condition; based on processing the image data, determining, using the one or more processors, a damage severity level for each property in the first portion of the plurality of properties; displaying, in a graphical user interface, (i) a first set of indications corresponding to the first portion of the plurality of properties, and (ii) a second set of indications corresponding to the second portion of the plurality of properties; and processing, using the one or more processors, an insurance claim associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
“2. The computer-implemented method of claim 1, wherein displaying the first set of indications comprises: displaying, in the graphical user interface, a set of labels indicating that each of the first portion of the plurality of properties sustained an insured loss from the event.
“3. The computer-implemented method of claim 1, wherein displaying the second set of indications comprises: displaying, in the graphical user interface, a set of labels indicating that each of the second portion of the plurality of properties sustained an insured loss from a previous event.
“4. The computer-implemented method of claim 1, wherein displaying the second set of indications comprises: displaying, in the graphical user interface, a set of labels indicating that each of the second portion of the plurality of properties did not have an insured loss detected or reported.
“5. The computer-implemented method of claim 1, further comprising: displaying, in the graphical user interface, a table of the first portion of the plurality of properties, the table listing, for each property in the first portion of the plurality of properties, an address and the damage severity level.
“6. The computer-implemented method of claim 1, further comprising: displaying, in the graphical user interface, (i) a first weather area in which the first set of indications corresponding to the first portion of the plurality of properties is displayed, and (ii) a second weather area in which the second set of indications corresponding to the second portion of the plurality of properties is displayed.
“7. A system for assessing damage to a plurality of properties, comprising: a user interface; a transceiver configured to connect to an aerial platform via at least one network connection; a memory storing a set of computer-executable instructions and previous image data; and a processor interfacing with the user interface, the transceiver, and the memory, and configured to execute the computer-executable instructions to cause the processor to: after an occurrence of an event that is a potential cause of insured losses, receive, from the aerial platform via the transceiver, image data (i) obtained by at least one image capturing device oriented on the aerial platform and (ii) depicting an aerial view of the plurality of properties, access, from the memory, the previous image data depicting the plurality of properties, respectively, having a plurality of initial conditions prior to the occurrence of the event, process the image data to determine, for each of the plurality of properties, a subsequent condition of the property after the occurrence of the event, based on processing the image data, identify (i) a first portion of the plurality of properties each having the subsequent condition that is different from the initial condition, and (ii) a second portion of the plurality of properties each having the subsequent condition that is not different from the initial condition, based on processing the image data, determine a damage severity level for each property in the first portion of the plurality of properties, cause the user interface to display (i) a first set of indications corresponding to the first portion of the plurality of properties, and (ii) a second set of indications corresponding to the second portion of the plurality of properties, and process an insurance claim associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
“8. The system of claim 7, wherein to cause the user interface to display the first set of indications, the processor is configured to: cause the user interface to display a set of labels indicating that each of the first portion of the plurality of properties sustained an insured loss from the event.
“9. The system of claim 7, wherein to cause the user interface to display the second set of indications comprises: cause the user interface to display a set of labels indicating that each of the second portion of the plurality of properties sustained an insured loss from a previous event.
“10. The system of claim 7, wherein to cause the user interface to display the second set of indications, the processor is configured to: cause the user interface to display a set of labels indicating that each of the second portion of the plurality of properties did not have an insured loss detected or reported.
“11. The system of claim 7, wherein the processor is further configured to: cause the user interface to display a table of the first portion of the plurality of properties, the table listing, for each property in the first portion of the plurality of properties, an address and the damage severity level.
“12. The system of claim 7, wherein the processor is further configured to: cause the user interface to display (i) a first weather area in which the first set of indications corresponding to the first portion of the plurality of properties is displayed, and (ii) a second weather area in which the second set of indications corresponding to the second portion of the plurality of properties is displayed.
“13. A non-transitory computer-readable storage medium having stored thereon a set of instructions, executable by a processor, for assessing damage to a plurality of properties, the instructions comprising: instructions for, after an occurrence of an event that is a potential cause of insured losses, receiving, from an aerial platform via at least one network connection, image data (i) obtained by at least one image capturing device oriented on the aerial platform and (ii) depicting an aerial view of the plurality of properties; instructions for accessing previous image data depicting the plurality of properties, respectively, having a plurality of initial conditions prior to the occurrence of the event; instructions for processing the image data to determine, for each of the plurality of properties, a subsequent condition of the property after the occurrence of the event; instructions for, based on processing the image data, identifying (i) a first portion of the plurality of properties each having the subsequent condition that is different from the initial condition, and (ii) a second portion of the plurality of properties each having the subsequent condition that is not different from the initial condition; instructions for, based on processing the image data, determining a damage severity level for each property in the first portion of the plurality of properties; instructions for displaying, in a graphical user interface, (i) a first set of indications corresponding to the first portion of the plurality of properties, and (ii) a second set of indications corresponding to the second portion of the plurality of properties; and instructions for processing an insurance claim associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
“14. The non-transitory computer-readable storage medium of claim 13, wherein the instructions for displaying the first set of indications comprise: instructions for displaying, in the graphical user interface, a set of labels indicating that each of the first portion of the plurality of properties sustained an insured loss from the event.
“15. The non-transitory computer-readable storage medium of claim 13, wherein the instructions for displaying the second set of indications comprise: instructions for displaying, in the graphical user interface, a set of labels indicating that each of the second portion of the plurality of properties sustained an insured loss from a previous event.
“16. The non-transitory computer-readable storage medium of claim 13, wherein the instructions for displaying the second set of indications comprise: instructions for displaying, in the graphical user interface, a set of labels indicating that each of the second portion of the plurality of properties did not have an insured loss detected or reported.”
There are additional claims. Please visit full patent to read further.
For additional information on this patent, see:
(Our reports deliver fact-based news of research and discoveries from around the world.)
Research on Health and Medicine Described by Researchers at National University La Plata (Benzodiazepine and Z-drug consumption in a national social security organization in Argentina: rational or excessive use?): Health and Medicine
Reports on Health Services Research from University of Washington Provide New Insights (The Future of Work In America: Demise of Employer-sponsored Insurance and What Should Replace It): Health and Medicine – Health Services Research
Advisor News
Annuity News
Health/Employee Benefits News
Life Insurance News