Systems and methods for home health evaluation and remediation

Patent metadata

Field	Value
Publication number	US-12437865-B2
Application number	US-202117370790-A
Country	US
Kind code	B2
Filing date	Jul 8, 2021
Priority date	Jul 9, 2020
Publication date	Oct 7, 2025
Grant date	Oct 7, 2025

Abstract

A device for evaluating aspects of health of a residential property configured to: (i) receive a first element of internal home health data captured by one or more smart devices installed within a residential property, the first element of internal home health data reflecting an aspect of operational quality of one or more assets of the residential property; (ii) determine a safety score based upon the first element of internal home health data; (iii) receive a second element of internal home health data captured by the one or more smart devices; (iv) determine a home health score based upon the first or second elements of internal home health data, the home health score representing a measure of health of the residential property; and (v) cause to be displayed, to a homeowner via a graphical user interface, a home health evaluation that includes the safety score and the home health score.

First claim

We claim:

1. A computer system for evaluating aspects of health of a residential property, the computer system comprising:
one or more smart devices installed within the residential property;
an internal home health controller installed within the residential property, the internal home health controller is configured to receive internal home health data from the one or more smart devices via a home network, the internal home health data reflecting an aspect of operational quality of one or more assets of the residential property; and
a remote system server configured to communicate with the internal home health controller and one or more external data sources outside the residential property via an external network, the remote system server comprising one or more processors programmed to:
receive a first element of internal home health data from the internal home health controller, the first element of internal home health data including detected power aberrations resulting from an electrical fault, the detected power aberrations detected by a circuit sensor of the one or more smart devices configured to capture performance metrics on an electrical circuit of the residential property;
determine a safety score for the residential property based at least in part on the first element of internal home health data, the safety score representing a measure of safety of the residential property;
receive a first element of external data from the one or more external data sources, the first element of external data relating to power quality for a geographical region of the residential property;
determine a home health score for the residential property based at least in part on of first element of internal home health data provided by the one or more smart devices and the first element of external data from the one or more external data sources, the home health score representing a measure of health of the residential property; and
cause to be displayed, to a homeowner of the residential property via a graphical user interface, a home health evaluation that includes the safety score and the home health score for the residential property.

2. The computer system of claim 1 , wherein the one or more processors are further programmed to:
receive a second element of internal home health data from the internal home health controller; and
determine a power quality score for the residential property based at least in part on the second element of internal home health data,
wherein the home health evaluation displayed to the homeowner further includes the power quality score for the residential property.

3. The computer system of claim 2 , wherein the one or more processors are further programmed to:
identify a failure event based upon the second element of internal home health data;
determine that the failure event is an alertable event for the homeowner based upon pre-configured settings identifying what types of events are alertable; and
transmit an alert message to the homeowner indicating an occurrence of the failure event.

4. The computer system of claim 2 , wherein the one or more processors are further configured to:
identify a potential risk to the residential property based at least in part on the second element of internal home health data;
generate a recommendation for a remediation action to address the potential risk; and
cause to be displayed, to the homeowner of the residential property via the graphical user interface, the recommendation for the remediation action.

5. The computer system of claim 4 , wherein the one or more processors are further configured to:
automatically detect that the remediation action has been completed at the residential property; and
automatically provide a cost discount on an insurance policy for the residential property.

6. The computer system of claim 1 , wherein the one or more smart devices includes the circuit sensor configured to capture the performance metrics on the electrical circuit of the residential property, wherein determining the safety score includes factoring the power aberrations as a negative factor to the safety score.

7. The computer system of claim 1 , wherein the one or more processors are further configured to:
determine a risk score for the residential property based at least in part on one or more of the first element of internal home health data provided by the one or more smart devices and the first element of external data from the one or more external data sources, the risk score representing a measure of risk associated with insuring aspects of the residential property; and
compute a price of an insurance policy for the residential property based at least in part on the determined risk score.

8. A computing device for evaluating aspects of health of a residential property, the computing device comprising one or more processors programmed to:
receive a first element of internal home health data captured by one or more smart devices installed within the residential property, the first element of internal home health data reflecting an aspect of operational quality of one or more assets of the residential property, the first element of internal home health data including detected power aberrations resulting from an electrical fault, the detected power aberrations detected by a circuit sensor of the one or more smart devices configured to capture performance metrics on an electrical circuit of the residential property;
determine a safety score for the residential property based at least in part on the first element of internal home health data, the safety score representing a measure of safety of the residential property;
receive a first element of external data from the one or more external data sources, the first element of external data relating to power quality for a geographical region of the residential property;
determine a home health score for the residential property based at least in part on the first element of internal home health data and the first element of external data, the home health score representing a measure of health of the residential property; and
cause to be displayed, to a homeowner of the residential property via a graphical user interface, a home health evaluation that includes the safety score and the home health score for the residential property.

9. The computing device of claim 8 , wherein the one or more processors are further programmed to:
receive a second element of internal home health data captured by the one or more smart devices; and
determine a power quality score for the residential property based at least in part on the second element of internal home health data,
wherein the home health evaluation displayed to the homeowner further includes the power quality score for the residential property.

10. The computing device of claim 9 , wherein the one or more processors are further programmed to:
identify a failure event based upon the second element of internal home health data;
determine that the failure event is an alertable event for the homeowner based upon pre-configured settings identifying what types of events are alertable; and
transmit an alert message to the homeowner indicating an occurrence of the failure event.

11. The computing device of claim 9 , wherein the one or more processors are further configured to:
identify a potential risk to the residential property based at least in part on the second element of internal home health data;
generate a recommendation for a remediation action to address the potential risk; and
cause to be displayed, to the homeowner of the residential property via the graphical user interface, the recommendation for t

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Marotta Nicholas Carmelo
• Rowley Austin
• Harrison Michael Scott
• Wheet Jared
• Roth Cathy Jo
• Megyese Matthew
• Willingham J D Johnson
• Uphoff Laura Anne
• Bates Paul
• Madsen Stacee

Classifications

• H02J13/13

  characterised by the transmission of data to equipment in the power network · CPC title

• G08B21/185

  Electrical failure alarms · CPC title

• G06Q40/08 Primary

  Insurance · CPC title

• G01R22/068

  Arrangements for indicating or signaling faults · CPC title

• G01R19/1659

  to indicate that the value is within or outside a predetermined range of values (window) (G01R19/16514, G01R19/16519, G01R19/16528 and G01R19/16533 take precedence) · CPC title