System and method for analyzing a survivability of a structure based on proximate objects

Patent metadata

Field	Value
Publication number	US-11816739-B2
Application number	US-202217724789-A
Country	US
Kind code	B2
Filing date	Apr 20, 2022
Priority date	Jan 15, 2019
Publication date	Nov 14, 2023
Grant date	Nov 14, 2023

Abstract

A computer-implemented method for analyzing a survivability of a structure is presented. A distance extending radially from the structure defining an area surrounding the structure may be determined. The area surrounding the structure may be scanned to identify surrounding objects. The area surrounding the structure may then be segmented to create a plurality of area segments. A density of surrounding objects in each of the plurality of area segments may be determined. A risk score for each of the plurality of area segments may then be determined based on the density of surrounding objects in each of the plurality of area segments. An overall wind exposure risk value may be provided for further use.

First claim

What is claimed is:

1. A computer-implemented method for analyzing a survivability of a structure, the method comprising:
scanning, using one or more processors, an area surrounding the structure to identify surrounding objects;
segmenting, using the one or more processors, the area surrounding the structure to create a plurality of area segments; and
determining, using the one or more processors, an overall wind exposure risk value for the structure based on the surrounding objects in the plurality of area segments.

2. The method of claim 1 , further comprising:
determining, using the one or more processors, a distance extending radially from the structure to define an area surrounding the structure, wherein the area surrounding the structure is a circle and the distance extending from the structure is 1,500 feet, and wherein the surrounding objects include trees and buildings.

3. The method of claim 2 , wherein the plurality of area segments includes eight equal-area segments.

4. The method of claim 1 , further comprising:
determining, using the one or more processors, eligibility of the structure for coverage under an insurance policy based on the overall wind exposure risk value; and
updating, using the one or more processors, an aspect of the insurance policy based on the overall wind exposure risk value.

5. The method of claim 1 , further comprising:
determining, using the one or more processors, a density of surrounding objects of equal or greater height compared to the structure in each of the plurality of area segments; and
determining, using the one or more processors, a risk score for each of the plurality of area segments, wherein the risk score for each respective area segment of the plurality of area segments is based on the density of surrounding objects of equal or greater height compared to the structure in each of the plurality of area segments and is inversely proportional to the density of the surrounding objects identified for the respective area segment.

6. The method of claim 1 , further comprising:
determining, using the one or more processors, a risk score for each of the plurality of area segments, wherein the risk score for each of the plurality of area segments is based on the height of all surrounding objects of equal or greater height than the structure.

7. The method of claim 1 , further comprising:
determining, using the one or more processors, a risk score for each of the plurality of area segments, wherein the risk score for each of the plurality of area segments is weighted according to at least one of (i) one or more historic wind patterns associated with a geographic region of the structure and (ii) a spacing from the structure of the surrounding objects.

8. The method of claim 1 , further comprising:
determining, using the one or more processors, a risk score for each of the plurality of area segments; and
providing, using the one or more processors, the overall wind exposure risk value to a user of a client computing device, wherein the overall wind exposure risk value is based on a combination of the risk scores for each of the plurality of area segments.

9. A computer device for analyzing a survivability of a structure, the computer device comprising:
one or more processors; and
one or more memories coupled to the one or more processors,
the one or more memories including non-transitory computer executable instructions stored therein that, when executed by the one or more processors, cause the computer device to:
scan an area surrounding the structure to identify surrounding objects,
segment the area surrounding the structure to create a plurality of area segments, and
determine an overall wind exposure risk value for the structure based on the surrounding objects in the plurality of area segments.

10. The device of claim 9 , wherein the non-transitory computer executable instructions, when executed, further cause the device to:
determine a distance extending radially from the structure to define an area surrounding the structure, wherein the area surrounding the structure is a circle and the distance extending from the structure is 1,500 feet, and wherein the surrounding objects includes trees and buildings.

11. The device of claim 9 , wherein the non-transitory computer executable instructions that cause the device to provide an overall wind exposure risk value to a user of a client computing device, further cause the device to:
determine eligibility of the structure for coverage under an insurance policy based on the overall wind exposure risk value; and
update an aspect of the insurance policy based on the overall wind exposure risk value.

12. The device of claim 9 , wherein the non-transitory computer executable instructions, when executed, further cause the device to:
determine a density of surrounding objects of equal or greater height compared to the structure in each of the plurality of area segments; and
determine a risk score for each of the plurality of area segments, wherein the risk score for each respective area segment of the plurality of area segments is based on the density of surrounding objects of equal or greater height compared to the structure in each of the plurality of area segments and is inversely proportional to the density of the surrounding objects identified for the respective area segment.

13. The device of claim 9 , wherein the non-transitory computer executable instructions, when executed, further cause the device to:
determine a risk score for each of the plurality of area segments, wherein the risk score for each of the plurality of area segments is based on the height of all surrounding objects of equal or greater height than the structure.

14. The device of claim 9 , wherein the non-transitory computer executable instructions, when executed, further cause the device to:
determine a risk score for each of the plurality of area segments, wherein the risk score for each of the plurality of area segments is weighted according to at least one of (i) one or more historic wind patterns associated with a geographic region of the structure and (ii) a spacing from the structure of the surrounding objects.

15. The device of claim 9 , wherein the non-transitory computer executable instructions, when executed, further cause the device to:
determine a risk score for each of the plurality of area segments; and
provide the overall wind exposure risk value to a user of a client computing device, wherein the overall wind exposure risk value is based on a combination of the risk scores for each of the plurality of area segments.

16. A computer readable storage medium comprising non-transitory computer readable instructions stored thereon for analyzing a survivability of a structure, wherein the instructions when executed on one or more processors cause the one or more processors to:
scan an area surrounding the structure to identify surrounding objects;
segment the area surrounding the structure to create a plurality of area segments; and
determine an overall wind exposure risk value for the structure based on the surrounding objects in the plurality of area segments.

17. The computer readable storage medium of claim 16 , wherein the computer readable instructions, when executed, further cause the one or more processors to:
determine a distance extending radially from the structure to define an area surrounding the structure;
determine a density of surrounding objects of equal or greater height compared to the structure in each of the plurality of area segments; and
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Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Haefli Eric

Classifications

• G06Q40/08 Primary

  Insurance · CPC title

• G06F16/53

  Querying · CPC title

• G06F16/73

  Querying · CPC title

• G06T7/11

  Region-based segmentation · CPC title

• G06V20/176

  Urban or other man-made structures · CPC title