Identifying and recommending insurance policy products/services using informatic sensor data

Patent metadata

Field	Value
Publication number	US-11526948-B1
Application number	US-202017021809-A
Country	US
Kind code	B1
Filing date	Sep 15, 2020
Priority date	Jan 10, 2014
Publication date	Dec 13, 2022
Grant date	Dec 13, 2022

Abstract

A computer system and method for processing insurance claim data to identify and recommend insurance policy modifications using informatic data from one or more informatic sensor devices relating to a dwelling. Analytical analysis is performed on the received informatic data to determine a dwelling assessment value regarding an insurance risk relating to the dwelling. Electronic data relating to an insurance policy associated with the dwelling is received by a computer processor and is electronically analyzed to determine insurance coverage and liability values for the dwelling as prescribed by the insurance policy. Predefined business rules are utilized by a computer processor using at least the dwelling assessment value and the determined insurance coverage and liability values for the dwelling to determine, and preferably recommend, one or more insurance products for inclusion with the insurance policy to mitigate insuree liability regarding the dwelling.

First claim

What is claimed is:

1. A system, comprising:
a database configured to store at least one insurance dataset corresponding to a dwelling, the at least one insurance dataset comprising information corresponding to one or more insurance coverages of one or more attributes of the dwelling;
a plurality of sensors associated with the dwelling and configured to:
capture data associated with one or more water-related properties associated with the dwelling; and
electronically transmit the data; and

a server communicatively coupled with the database and the plurality of sensors, the server configured to:
transmit an instruction to at least one sensor of the plurality of sensors, the instruction configured to initiate a data capture by the at least one sensor;
determine a structural susceptibility value of the dwelling based on the data;
retrieve the at least one insurance dataset corresponding to the dwelling;
determine whether the at least one insurance dataset comprises at least one data record corresponding to the structural susceptibility value; and
transmit an electronic message configured to notify an electronic device associated with the dwelling in response to the at least one insurance dataset lacking the at least one data record, the electronic message indicative of the at least one data record being excluded from the one or more insurance coverages.

2. The system of claim 1 , wherein the plurality of sensors comprises at least one water sensor.

3. The system of claim 1 , wherein the one or more water-related properties are related to detection of water, water pressure detection, or both, in a plumbing system associated with the dwelling.

4. The system of claim 1 , wherein the insurance dataset excluded from the one or more insurance coverages corresponds to a coverage gap corresponding to water damage in the dwelling.

5. The system of claim 1 , wherein the at least one sensor comprises one or more probes disposed in one or more locations of the dwelling and configured to detect the one or more water-related properties in the one or more locations.

6. The system of claim 1 , wherein the at least one sensor is configured to detect the one or more water-related properties related to a dishwasher or washing machine associated the dwelling.

7. The system of claim 1 , wherein the server is configured to:
transmit a second instruction to an appliance sensor, wherein the second instruction is configured to cause the appliance sensor to send additional data associated with one or more water-related operating parameters of one or more appliances within the dwelling; and
determine an appliance susceptibility value based on the additional data received from the appliance sensor.

8. The system of claim 7 , wherein the server is configured to:
determine whether the at least one insurance dataset comprises an additional data record corresponding to the appliance susceptibility value; and
transmit an additional electronic message configured to notify the electronic device associated with the dwelling in response to the at least one insurance dataset lacking the additional data record, the electronic message indicative of the additional data record being excluded from the one or more insurance coverages.

9. The system of claim 1 , wherein the server is configured to determine a maintenance score based on the structural susceptibility value.

10. The system of claim 9 , wherein the electronic message comprises the maintenance score.

11. A method, comprising:
transmitting, by a processor, an instruction to a water sensor of a plurality of electronic sensor devices, wherein the instruction is configured to cause the water sensor to send data associated with one or more water-related properties of a dwelling to the processor, and wherein the plurality of electronic sensor devices is associated with the dwelling;
determining, by the processor, a structural susceptibility value of the dwelling based on the data received from the water sensor;
retrieving, by the processor and from a database, at least one insurance dataset corresponding to the dwelling, the database configured to store the at least one insurance dataset corresponding to the dwelling, the at least one insurance dataset comprising one or more data records corresponding to one or more insurance coverages of one or more attributes of the dwelling;
determining, by the processor, whether the at least one insurance dataset comprises at least one data record corresponding to the structural susceptibility value; and
transmitting, by the processor, an electronic message configured to notify an electronic device associated with the dwelling in response to the at least one insurance dataset lacking the at least one data record, the electronic message indicative of the structural susceptibility value and the at least one data record being excluded from the one or more insurance coverages.

12. The method of claim 11 , wherein the water sensor comprises one or more probes disposed in one or more locations of the dwelling and configured to detect the one or more water-related properties in the one or more locations.

13. The method of claim 11 , wherein the plurality of electronic sensor devices is configured to detect temperature data, humidity data, water leak data, wind speed data, motion data, electrical data, positional data, structural data, environmental data, appliance data, image data, or any combination thereof.

14. The method of claim 11 , wherein the one or more water-related properties are related to the detection of water, water pressure detection, or both, in a plumbing system associated with the dwelling.

15. The method of claim 11 , wherein the electronic device associated with the dwelling is a mobile device.

16. The method of claim 11 , wherein the at least one data record corresponds to a coverage gap.

17. The method of claim 11 , wherein the plurality of electronic sensor devices comprises an appliance sensor configured to detect the one or more water-related properties associated with an appliance in or proximate to the dwelling.

18. The method of claim 17 , comprising:
transmitting, by the processor, a second instruction to the appliance sensor, wherein the second instruction is configured to cause the appliance sensor to send additional data associated with one or more operating parameters of the appliance; and
determining, by the processor, an appliance susceptibility value based on the additional data.

19. The method of claim 18 , comprising:
determining, by the processor, whether the at least one insurance dataset comprises an additional data record corresponding to the appliance susceptibility value; and
transmitting, by the processor, an additional electronic message configured to notify the electronic device associated with the dwelling in response to the at least one insurance dataset lacking the additional data record, the electronic message indicative of the additional data record being excluded from the one or more insurance coverages.

20. A tangible, non-transitory, and computer readable medium storing processor-executable instructions that, when executed by a processor, cause the processor to perform operations comprising:
transmitting an instruction to a water sensor of a plurality of electronic sensor devices, wherein the instruction is configured to cause the water sensor to send data associated with one or more water-related properties of a dwelling to the processor, and wherein the plurality of electronic sensor devices is a

Assignees

• Usaa
• Usaa

Inventors

• Allen Michael J
• Devereaux Ramsey
• Read Spencer
• Franck David S
• Chandler William
• Wheeler Daniela
• Swain Kathleen L
• Burgess Cleburne R

Classifications

• G06F2218/12

  Classification; Matching · CPC title

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• G06Q40/08 Primary

  Insurance · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06Q10/20

  Administration of product repair or maintenance · CPC title