Apparatuses, systems and methods for mitigating property loss based on an event driven probable roof loss confidence score

Patent metadata

Field	Value
Publication number	US-11488255-B1
Application number	US-202016983794-A
Country	US
Kind code	B1
Filing date	Aug 3, 2020
Priority date	Aug 3, 2020
Publication date	Nov 1, 2022
Grant date	Nov 1, 2022

Abstract

Apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score. More particularly, apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score based on hail data. The apparatuses, systems and methods may generate a probable roof loss confidence score. The apparatuses, systems and methods may generate verified probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance underwriting data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance claims data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance loss mitigation data based on probable roof loss confidence score data.

First claim

What is claimed is:

1. A system for performing an insurance property loss mitigation process based on an event driven probable roof loss confidence score based on a particular weather event, wherein the event driven probable roof loss confidence score is associated with a roof of a building, the system comprising:
a base-line probable roof loss confidence score data receiving module stored on a memory of a confidence score computing device that, when executed by a processor of the confidence score computing device, the processor of the confidence score computing device receives a base-line probable roof loss confidence score for the building, wherein the base-line probable roof loss confidence score is at least partially based on historical weather data representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building and historical hail data representative of attributes of historical hail that has impacted the geographic area;
a weather data receiving module stored on the memory of the confidence score computing device that, when executed by a processor of the confidence score computing device, the processor of the confidence score computing device receives weather data from a weather computing device, wherein the weather data is representative of storm attributes associated with a storm, associated with the particular weather event, that occurred in the geographic area;
a hail data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device:
receives hail data from a hail computing device, wherein the hail data is representative of one or more attributes of hail, associated with the particular weather event, that has impacted the geographic area, the hail data including at least one of image data, video data, or audio data collected by a smart home device; and
estimates at least one attribute of the one or more attributes based on the at least one of the image data, the video data, or the audio data;

a probable roof loss confidence score data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device generates the event driven probable roof loss confidence score based on the base-line probable roof loss confidence score, the weather data, the hail data, and the at least one estimated attribute; and
a building insurance property loss mitigation data generation module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device generates building insurance property loss mitigation data based on the probable roof loss confidence score.

2. The system of claim 1 , further comprising:
a building data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device receives building data from a building computing device, wherein the building data is representative of attributes of the building;
a roof data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device receives roof data from a roof computing device, wherein the roof data is representative of a structure forming an upper covering of the building; and
a climate region data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device receives climate region data from a climate region computing device based on the building data, wherein the base-line probable roof loss confidence score is further based on the building data, the roof data, and the climate region data.

3. The system of claim 1 , further comprising:
a probable roof loss confidence score verification data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device receives probable roof loss confidence score verification data.

4. The system of in claim 3 , further comprising:
a verified probable roof loss confidence score data generation module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device generates verified probable roof loss confidence score data based on a comparison of the event driven probable roof loss confidence score with the probable roof loss confidence score verification data.

5. The system of claim 4 , further comprising:
a verified probable roof loss confidence score data storage module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, the processor of the confidence score computing device stores the verified probable roof loss confidence score data.

6. A computer-implemented method for performing an insurance property loss mitigation process based on an event driven probable roof loss confidence score based on a particular weather event, wherein the event driven probable roof loss confidence score is associated with a roof of a building, the method comprising:
receiving a base-line probable roof loss confidence score for the building in response to a processor of a confidence score computing device executing a base-line probable roof loss confidence score data receiving module, wherein the base-line probable roof loss confidence score is at least partially based on historical weather data representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building and historical hail data representative of attributes of historical hail that has impacted the geographic area;
receiving weather data from a weather computing device in response to the processor of the confidence score computing device executing a weather data receiving module, wherein the weather data is representative of storm attributes associated with a storm, associated with the particular weather event, that occurred in the geographic area;
receiving hail data from a hail computing device in response to the processor of the confidence score computing device executing a hail data receiving module, wherein the hail data is representative of one or more attributes of hail, associated with the particular weather event, that has impacted the geographic area, the hail data including at least one of image data, video data, or audio data collected by a smart home device;
estimating, by the processor of the confidence score computing device, at least one attribute of the one or more attributes based on the at least one of the image data, the video data, or the audio data;
generating the event driven probable roof loss confidence score based on the base-line probable roof loss confidence score, the weather data, the hail data, and the at least one estimated attribute in response to the processor of the confidence score computing device executing a probable roof loss confidence score data generation module; and
generating building insurance property loss mi

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Mast Joshua M
• Dewey Douglas L
• Binion Todd
• Feid Jeffrey

Classifications

• G06Q10/10 Primary

  Office automation; Time management · CPC title

• G01W1/04

  giving only separate indications of the variables measured · CPC title

• G06Q40/08 Primary

  Insurance · CPC title

• G01W1/14

  Rainfall or precipitation gauges (measuring volume in general G01F) · CPC title

• G06N7/005

  Physics · mapped topic