Apparatuses, systems and methods for mitigating property loss based on an event driven probable roof loss confidence score

Patent metadata

Field	Value
Publication number	US-12475515-B2
Application number	US-202318508963-A
Country	US
Kind code	B2
Filing date	Nov 14, 2023
Priority date	Aug 3, 2020
Publication date	Nov 18, 2025
Grant date	Nov 18, 2025

Abstract

Apparatuses, systems and methods are provided for performing insurance property loss mitigation processes based on an event driven probable roof loss confidence score based on a particular weather event, the event driven probable roof loss confidence score associated with a roof of a building. An example method may include receiving a base-line probable roof loss confidence score for the building. The method may further include receiving weather data associated with the particular weather event, that occurred in the geographic area of the building, and hail data associated with the particular weather event. The method also may include estimating at least one attribute of the one or more attributes, and generating the event driven probable roof loss confidence score based on the base-line probable roof loss confidence score, the weather data, the hail data, and the at least one estimated attribute.

First claim

What is claimed is:

1 . A system for performing an insurance claim process based on probable roof loss confidence score data based on a particular weather event, wherein the probable roof loss confidence score data is associated with a roof of a building, the system comprising:
one or more processors; a non-transitory computer-readable medium; and instructions stored on the non-transitory computer-readable medium that, when executed by the one or more processors, cause the one or more processors to:
receive building data from a building computing device, wherein the building data is representative of attributes of the building;
receive roof data from a roof computing device, wherein the roof data is representative of a structure forming an upper covering of the building;
receive base-line probable roof loss confidence score data for the building, wherein the base-line probable roof loss confidence score data is at least partially based on historical weather data, historical hail data, the roof data, and climate region data;
receive weather data, wherein the weather data is representative of at least one storm attribute associated with a storm associated with the particular weather event that occurred in a geographic area that includes a geographic location of the building;
receive hail data, wherein the hail data is associated with the building and is representative of one or more attributes of hail, associated with the particular weather event, that has impacted the geographic area, the hail data including at least one of image data, video data, or audio data collected by a smart home device disposed at the building in real time;
analyze the hail data to detect a hail event signature in the at least one of the image data, the video data, or the audio data;
responsive to detecting the hail event signature, estimate at least one attribute of the one or more attributes of the hail based on the at least one of the image data, the video data, or the audio data;
generate probable roof loss confidence score data based on the base-line probable roof loss confidence score data, the weather data, the hail data, the roof data, and the at least one estimated attribute by:
determining a current roof condition of the roof of the building based upon at least one of the building data or the roof data; and
determining a predicted level of roof damage to the roof of the building over a time interval based upon the base-line probable roof loss confidence score data, the current roof condition, and the estimated at least one attribute of the one or more attributes of the hail associated with the particular weather event; and
generate building insurance claim data based on the probable roof loss confidence score data.

2 . The system of claim 1 , wherein the instructions further cause the one or more processors to:
receive climate region data from a climate region computing device based on the building data, wherein the base-line probable roof loss confidence score data is further based on the building data, the roof data, and the climate region data.

3 . The system of claim 1 , wherein the instructions further cause the one or more processors to receive probable roof loss confidence score verification data.

4 . The system of claim 1 , wherein the probable roof loss confidence score data indicates a probability that the roof is a total loss due to the particular weather event, and wherein the instructions further cause the one or more processors to:
in response to determining that the probable roof loss confidence score data indicates that the probability is above a predetermined percentage, automatically process an insurance claim for the roof.

5 . The system of claim 1 , wherein the storm attributes of the storm include at least one of: a storm meteorological signature, a storm duration, a storm direction, thermal shock, whether the storm is conducive to producing damaging hail, whether the storm is conducive to producing strong winds, key meteorological aspects of the storm, length of time that the storm impacted the roof, a direction from which the storm impacts the building, a roof temperature prior to the storm, a roof temperature after the storm, or a thermal shock to roofing material.

6 . A method for performing an insurance claim process based on probable roof loss confidence score data based on a particular weather event, wherein the probable roof loss confidence score data is associated with a roof of a building, the method comprising:
receiving, by one or more processors, building data from a building computing device, wherein the building data is representative of attributes of the building; receiving, by the one or more processors, roof data from a roof computing device, wherein the roof data is representative of a structure forming an upper covering of the building; receiving, by the one or more processors, climate region data from a climate region computing device based on building data; receiving, by the one or more processors, a base-line probable roof loss confidence score data for the building, wherein the base-line probable roof loss confidence score data is at least partially based on historical weather data, historical hail data, the roof data, and the climate region data; receiving, by the one or more processors, hail data, wherein the hail data is associated with the building and is representative of one or more attributes of hail associated with the particular weather event that has impacted a geographic area that includes a geographic location of the building, the hail data including at least one of image data, video data, or audio data collected by a smart home device disposed at the building; analyzing, by the one or more processors, the hail data to detect a hail event signature in the at least one of the image data, the video data, or the audio data; responsive to detecting the hail event signature, estimating, by the one or more processors, at least one attribute of the one or more attributes of the hail based on the at least one of the image data, the video data, or the audio data; generating, by the one or more processors, probable roof loss confidence score data based on the base-line probable roof loss confidence score data, the hail data, the roof data, and the at least one estimated attribute by: determining a current roof condition of the roof of the building based upon at least one of the building data or the roof data; and determining a predicted level of roof damage to the roof of the building over a time interval based upon the base-line probable roof loss confidence score data, the current roof condition, and the estimated at least one attribute of the one or more attributes of the hail associated with the particular weather event; generating, by the one or more processors, building insurance claim data based on the probable roof loss confidence score data; and sending, by the one or more processors, a notification to an insurance adjustor, wherein the notification includes the generated building insurance claim data.

7 . The method of claim 6 , further comprising:
receiving, by the one or more processors, historical weather data from a weather computing device based on the building data, wherein the historical weather data is representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building; and receiving, by the one or more processors, historical hail data from a hail computing device based on the building data, wherein the historical hail data is representative of attributes of historical hail that has impacted a geographic area that includes the geographic location of the building.

8 . The m

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Mast Joshua M
• Dewey Douglas L
• Binion Todd
• Feid Jeffrey

Classifications

• G01W1/14

  Rainfall or precipitation gauges (measuring volume in general G01F) · CPC title

• Y02A50/00

  in human health protection, e.g. against extreme weather · CPC title

• G01W1/04

  giving only separate indications of the variables measured · CPC title

• G06Q40/08 Primary

  Insurance · CPC title

• G06Q10/10 Primary

  Office automation; Time management · CPC title