Home assessment and issue probability generation

Patent metadata

Field	Value
Publication number	US-11257164-B1
Application number	US-201916564821-A
Country	US
Kind code	B1
Filing date	Sep 9, 2019
Priority date	Sep 26, 2014
Publication date	Feb 22, 2022
Grant date	Feb 22, 2022

Abstract

Data associated with a structure or home may be received from an insurance provider, from publicly available sources and/or from a user. The data may include information about the structure and/or items within the structure, as well as a locality in which the structure is located, and/or other structures in the locality or neighborhood. The data may be used to assess items associated with the structure to determine a probability that an item may have an issue. Other aspects relate to receiving a request for assistance from a user in identifying a cause of an issue and remedying the issue. In some examples, the received data associated with the structure may be aggregated with data from the user about the issue in order to identify a cause of the issue and develop an action plan to address the issue.

First claim

What is claimed is:

1. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed by a processor of at least one computing device, cause the at least one computing device to:
receive, from a remote mobile device located within a first structure, first data associated with the first structure, wherein the first data includes data for one or more items within the first structure;
determine a location within the first structure, from among a plurality of different locations within the first structure, of the remote mobile device using a geographic positioning system;
associate the first data with the determined location;
receive second data associated with a locality of the first structure;
verify an authenticity of the second data by inspecting an electronic data stamp of the second data;
receive third data associated with a second structure in the locality of the first structure;
generate, based on the received first, second and third data, as well as the determined location within the first structure and specific information about the determined location within the first structure, a listing of items associated with the first structure, wherein the specific information comprises features and safety hazards associated with the determined location within the first structure;
generate, based on the received first, second and third data, a profile of the first structure, the profile including the listing of items; and
based on the received first data, second data, and third data, generate a probability model indicating a probability that an issue with one or more items in the profile of the first structure will occur within a predetermined amount of time.

2. The one or more non-transitory computer-readable media of claim 1 , wherein the electronic data stamp includes at least one of a date stamp and a time stamp.

3. The one or more non-transitory computer-readable media of claim 1 , wherein the first structure includes a plurality of rooms, and wherein the determined location specifies one of the plurality of rooms.

4. The one or more non-transitory computer-readable media of claim 1 , wherein the second data includes real-time video of at least one item in the first structure, the listing of items including the at least one item.

5. The one or more non-transitory computer-readable media of claim 1 , wherein the probability model indicates a likelihood of an issue arising within a specified number of months.

6. The one or more non-transitory computer-readable media of claim 1 , wherein the instructions, when executed, further cause the at least one computing device to:
receive a goal of a user associated with the first structure; and
generate a priority listing of issues associated with the one or more items likely to occur
based on the probability model, an order of the issues on the priority listing being based at least in part on the goal of the user.

7. The one or more non-transitory computer-readable media of claim 6 , wherein the goal of the user includes a budget of the user.

8. The one or more non-transitory computer-readable media of claim 1 , wherein the received first data includes at least one of: an age of the first structure, a type of the first structure, materials used in the first structure, an age of appliances within the first structure, types of appliances within the first structure, and historical data associated with the first structure, wherein the historical data includes at least one of: modifications to the first structure, replacement of portions of the first structure, a date of modification, and a date of replacement.

9. A method comprising:
receiving, by a computing device having a memory and processor and from a remote mobile device located within a first structure, first data associated with the first structure, wherein the first data includes data for one or more items within the first structure;
determining, by the processor, a location within the first structure, from among a plurality of different locations within the first structure, of the remote mobile device using a geographic positioning system;
associating, by the processor, the first data with the determined location;
receiving, by the processor, second data associated with a locality of the first structure;
verifying, by the processor, an authenticity of the second data by inspecting an electronic data stamp of the second data;
receiving, by the processor, third data associated with a second structure in the locality of the first structure;
generating, by the processor and based on the received first, second and third data, as well as the determined location within the first structure and specific information about the determined location within the first structure, a listing of items associated with the first structure, wherein the specific information comprises features and safety hazards associated with the determined location within the first structure;
generating, by the processor and based on the received first, second and third data, a profile of the first structure, the profile including the listing of items; and
based on the received first data, second data, and third data, generating, by the processor, a probability model indicating a probability that an issue with one or more items in the profile of the first structure will occur within a predetermined amount of time.

10. The method of claim 9 , wherein the electronic data stamp includes at least one of a date stamp and a time stamp.

11. The method of claim 9 , wherein the first structure includes a plurality of rooms, and wherein the determined location specifies one of the plurality of rooms.

12. The method of claim 9 , wherein the second data includes real-time video of at least one item in the first structure, the listing of items including the at least one item.

13. The method of claim 9 , wherein the probability model indicates a likelihood of an issue arising within a specified number of months.

14. The method of claim 9 , further including:
receiving, by the processor, a goal of a user associated with the first structure; and
generating, by the processor, a priority listing of issues associated with the one or more items likely to occur based on the probability model, an order of the issues on the priority listing being based at least in part on the goal of the user.

15. The method of claim 14 , wherein the goal of the user includes a budget of the user.

16. The method of claim 9 , wherein the received first data includes at least one of: an age of the first structure, a type of the first structure, materials used in the first structure, an age of appliances within the first structure, types of appliances within the first structure, and historical data associated with the first structure, wherein the historical data includes at least one of: modifications to the first structure, replacement of portions of the first structure, a date of modification, and a date of replacement.

Assignees

• Allstate Insurance Co

Inventors

• Stricker Kurt M
• Landry-Gonzalez Beverly
• De Guia Nicolette
• Faga Mark E
• Brennan Kelly Ann
• Johnson Robert H

Classifications

• G06Q40/08 Primary

  Insurance · CPC title

• G06N7/01

  Probabilistic graphical models, e.g. probabilistic networks · CPC title