Utilizing credit and informatic data for insurance underwriting purposes
US-9818158-B1 · Nov 14, 2017 · US
US12079880B2 · US · B2
| Field | Value |
|---|---|
| Publication number | US-12079880-B2 |
| Application number | US-202318189734-A |
| Country | US |
| Kind code | B2 |
| Filing date | Mar 24, 2023 |
| Priority date | Feb 19, 2015 |
| Publication date | Sep 3, 2024 |
| Grant date | Sep 3, 2024 |
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Official abstract text for this publication.
A building monitoring computer system for monitoring building integrity may be provided. Various types of sensors may be embedded throughout or within certain portions of different types of building or construction material making up the building, such as within roofing, foundation, or structural materials. The sensors may be in wireless communication with a home controller. The sensors may be water, moisture, temperature, vibration, or other types of sensors, and may detect unexpected or abnormal conditions within the home. The sensors and/or home controller may transmit alerts to a mobile device of the home owner associated with the unexpected condition, and/or that remedial actions may be required to repair the home or mitigate further damage to the home. The sensor data may also be communicated to an insurance provider remote server to facilitate the insurance provider communicating insurance-related recommendations, updating insurance policies, or preparing insurance claims for review for home owners.
Opening claim text (preview).
I claim: 1. A building monitoring computing device comprising a memory and one or more processors, the one or more processors coupled to a moisture sensor positioned at a first selected position of a building and configured to detect a moisture level, the one or more processors configured to: determine a profile moisture level based upon a plurality of historical moisture levels; compare a sample moisture level detected by the moisture sensor at the first selected position to the profile moisture level for the first selected position to generate a moisture level difference; generate a moisture alert message based upon determining that the moisture level difference exceeds a pre-determined threshold; and transmit the moisture alert message to a user device via wireless communication. 2. The building monitoring computing device of claim 1 , wherein the one or more processors are further configured to determine the moisture profile level by averaging a plurality of historical sample moisture levels detected by the moisture sensor at the first selected position. 3. The building monitoring computing device of claim 1 , wherein the one or more processors are further configured to determine, based upon the sample moisture level, a severity of an abnormal condition, wherein the determination includes at least one of: (i) determining a length of time that the abnormal condition has existed; and (ii) determining a size of an area of the building associated with the first selected position that is affected by the abnormal condition. 4. The building monitoring computing device of claim 1 , wherein the one or more processors are further configured to: transmit data representing the sample moisture level to an insurance provider remote server; receive, from the insurance provider remote server, at least one of: (a) an insurance-related recommendation, (b) an insurance policy update, and (c) a pre-populated insurance claim associated with any damage to the building caused by moisture at the first selected position; and cause the at least one of (a) the insurance-related recommendation, (b) the insurance policy update, and (c) the pre-populated insurance claim to be displayed on the user device. 5. The building monitoring computing device of claim 1 , wherein the one or more processors are further configured to transmit a message to an insurance provider remote server, the message causing the insurance provider remote server to adjust at least one insurance policy associated with the building based upon the moisture sensor being included within the building. 6. The building monitoring computing device of claim 1 , wherein the one or more processors are further configured to determine: (i) a type of damaged material at the first selected position, and (ii) a type of replacement material to replace the damaged material. 7. The building monitoring computing device of claim 1 , wherein the one or more processors are further configured to receive one or more of: (i) vibration data from one or more vibration sensors configured to detect vibration in the building; (ii) thermal data one or more thermal sensors configured to generate a thermal sample of the building; and (iii) insect data detected by one or more insect sensors configured to detect insect related damage in the building. 8. A computer-implemented method implemented using a building monitoring computing device including a memory and one or more processors, the one or more processors coupled to a moisture sensor positioned at a first selected position of a building and configured to detect a moisture level, method comprising to: determining a profile moisture level based upon based upon a plurality of historical moisture levels; comparing a sample moisture level detected by the moisture sensor at the first selected position to the profile moisture level for the first selected position to generate a moisture level difference; generating a moisture alert message based upon determining that the moisture level difference exceeds a pre-determined threshold; and transmitting the moisture alert message to a user device via wireless communication. 9. The computer-implemented method of claim 8 , further comprising determining the moisture profile level by averaging a plurality of historical sample moisture levels detected by the moisture sensor at the first selected position. 10. The computer-implemented method of claim 8 , further comprising determining based upon the sample moisture level, a severity of an abnormal condition, wherein the determination includes at least one of: (i) determining a length of time that the abnormal condition has existed; and (ii) determining a size of an area of the building associated with the first selected position that is affected by the abnormal condition. 11. The computer-implemented method of claim 8 , further comprising: transmitting data representing the sample moisture level to an insurance provider remote server; receiving from the insurance provider remote server, at least one of: (a) an insurance-related recommendation, (b) an insurance policy update, and (c) a pre-populated insurance claim associated with any damage to the building caused by moisture at the first selected position; and causing the at least one of (a) the insurance-related recommendation, (b) the insurance policy update, and (c) the pre-populated insurance claim to be displayed on the user device. 12. The computer-implemented method of claim 8 , further comprising transmitting a message to an insurance provider remote server, the message causing the insurance provider remote server to adjust at least one insurance policy associated with the building based upon the moisture sensor being included within the building. 13. The computer-implemented method of claim 8 , further comprising determining: (i) a type of damaged material at the first selected position, and (ii) a type of replacement material to replace the damaged material. 14. The computer-implemented method of claim 8 , further comprising receiving one or more of: (i) vibration data from one or more vibration sensors configured to detect vibration in the building; (ii) thermal data one or more thermal sensors configured to generate a thermal sample of the building; and (iii) insect data detected by one or more insect sensors configured to detect insect related damage in the building. 15. At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by a building monitoring computing device including a memory and one or more processors, the one or more processors coupled to a moisture sensor positioned at a first selected position of a building and configured to detect a moisture level, the computer-executable instructions cause the one or more processors to: determine a profile moisture level based upon a plurality of historical moisture levels; compare a sample moisture level detected by the moisture sensor at the first selected position to the profile moisture level for the first selected position to generate a moisture level difference; generate a moisture alert message based upon determining that the moisture level difference exceeds a pre-determined threshold; and transmit the moisture alert message to a user device via wireless communication. 16. The at least one non-transitory computer-readable storage media of claim 15 , wherein the computer-executable instructions further cause the one or more processors to determine the moisture profile level by averaging a plurality of historical sample moisture levels de
from a device located outside both the home and the home network (access arrangements H04L12/2856; for remote control or remote monitoring of applications H04L67/025; arrangements for transmitting signals characterised by the use of a wireless eletrical link G08C17/00; telephonic communication systems adapted for combination with remote control systems H04M11/007) · CPC title
Inference or reasoning models · CPC title
electric · CPC title
against vibrations or shocks (on foundations E02D31/08); against mechanical destruction, e.g. by air-raids (against incendiary damage only E04B1/94; finishing work therefor E04F; buildings withstanding earthquake or the like, shelters, arrangements of splintercatching walls E04H9/00) · CPC title
Protection against other undesired influences or dangers (buildings providing protection against external dangers E04H9/00; shielding against dangerous radiation G21F) · CPC title
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