Artificial intelligence for flood monitoring and insurance claim filing

Patent metadata

Field	Value
Publication number	US-12400283-B2
Application number	US-202318216449-A
Country	US
Kind code	B2
Filing date	Jun 29, 2023
Priority date	Apr 3, 2023
Publication date	Aug 26, 2025
Grant date	Aug 26, 2025

Abstract

A computer system for flood monitoring and insurance provider notification, the computer system may include one or more processors configured to: detect a flood event in a structure, transmit information associated with the structure and a prompt for flood reimbursement services to a machine learning (ML) chatbot to cause the ML chatbot to file a flood reimbursement claim with an insurance provider having an insurance policy associated with the structure via telephone by converting a text output into a voice output.

First claim

What is claimed:

1. A computer system for flood monitoring and insurance provider notification, the computer system comprising:
one or more processors; and
a memory storing executable instructions thereon that, when executed by the one or more processors, cause the one or more processors to:
detect a flood event in a structure, and
transmit information associated with the structure and a prompt for flood reimbursement services to a machine learning (ML) chatbot to cause the ML chatbot to file a flood reimbursement claim with an insurance provider having an insurance policy associated with the structure via telephone by converting a text output into a voice output.

2. The computer system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the detection of the flood event in the structure by receiving a signal from a water sensor.

3. The computer system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the detection of the flood event in the structure by receiving a notification of an occurrence of precipitation exceeding a specified amount.

4. The computer system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the detection of the flood event in the structure by:
receiving a notification of an occurrence of precipitation, and
detecting an interruption of an electricity supply to the structure.

5. The computer system of claim 1 , wherein filing the flood reimbursement claim with the insurance provider comprises providing the information associated with the structure to the insurance provider.

6. The computer system of claim 1 , wherein the prompt for flood reimbursement services further causes the ML chatbot to request a predetermined payout amount from the insurance provider.

7. The computer system of claim 1 , wherein the prompt for flood reimbursement services further causes the ML chatbot to:
collect information from the insurance provider by converting a voice input into a text input, and
communicate the information to a user associated with the structure.

8. A computer-implemented method for flood monitoring and insurance provider notification, the method comprising:
detecting a flood event in a structure; and
transmitting information associated with the structure and a prompt for flood reimbursement services to a machine learning (ML) chatbot to cause the ML chatbot to file a flood reimbursement claim with an insurance provider having an insurance policy associated with the structure via telephone by converting a text output into a voice output.

9. The computer-implemented method of claim 8 , wherein detecting the flood event in the structure comprises receiving a signal from a water sensor.

10. The computer-implemented method of claim 8 , wherein detecting of the flood event in the structure comprises receiving a notification of an occurrence of precipitation exceeding a specified amount.

11. The computer-implemented method of claim 8 , wherein detecting of the flood event in the structure comprises:
receiving a notification of an occurrence of precipitation, and
detecting an interruption of an electricity supply to the structure.

12. The computer-implemented method of claim 8 , wherein filing the flood reimbursement claim with the insurance provider comprises providing the information associated with the structure to the insurance provider.

13. The computer-implemented method of claim 8 , wherein the prompt for flood reimbursement services further causes the ML chatbot to request a predetermined payout amount from the insurance provider.

14. The computer-implemented method of claim 8 , wherein the prompt for flood reimbursement services further causes the ML chatbot to:
collect information from the insurance provider by converting a voice input into a text input, and
communicate the information to a user associated with the structure.

15. A computer readable storage medium storing non-transitory computer readable instructions for flood monitoring and insurance provider notification, wherein the instructions when executed on one or more processors cause the one or more processors to:
detect a flood event in a structure, and
transmit information associated with the structure and a prompt for flood reimbursement services to a machine learning (ML) chatbot to cause the ML chatbot to file a flood reimbursement claim with an insurance provider having an insurance policy associated with the structure via telephone by converting a text output into a voice output.

16. The computer readable storage medium of claim 15 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the detection of the flood event in the structure by receiving a signal from a water sensor.

17. The computer readable storage medium of claim 15 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the detection of the flood event in the structure by receiving a notification of an occurrence of precipitation exceeding a specified amount.

18. The computer readable storage medium of claim 15 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to perform the detection of the flood event in the structure by:
receiving a notification of an occurrence of precipitation, and
detecting an interruption of an electricity supply to the structure.

19. The computer readable storage medium of claim 15 , wherein filing the flood reimbursement claim with the insurance provider comprises providing the information associated with the structure to the insurance provider.

20. The computer readable storage medium of claim 15 , wherein the prompt for flood reimbursement services further causes the ML chatbot to request a predetermined payout amount from the insurance provider.

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Williams Aaron
• Harr Joseph
• Christensen Scott T
• Gross Ryan M

Classifications

• H04M2201/39

  using speech synthesis · CPC title

• G08B21/187

  Machine fault alarms · CPC title

• G06Q40/08

  Insurance · CPC title

• G06Q30/0283

  Price estimation or determination · CPC title

• G06Q30/0611

  Request for offers or quotes · CPC title