Apparatuses, systems and methods for generating a base-line probable roof loss confidence score

Abstract

Apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score. More particularly, apparatuses, systems and methods are provided for generating a base-line probable roof loss confidence score based on hail data. The apparatuses, systems and methods may generate a probable roof loss confidence score. The apparatuses, systems and methods may generate verified probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance underwriting data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance claims data based on probable roof loss confidence score data. The apparatuses, systems and methods may generate property insurance loss mitigation data based on probable roof loss confidence score data.

What is claimed is: 
     
         1 . A computer-implemented method for generating base-line probable roof loss confidence score data associated with a roof of a building, the method comprising:
 receiving, at one or more processors, building data representative of attributes of the building;   receiving, at the one or more processors, roof data representative of a roof of the building;   receiving, at the one or more processors, historical weather data based upon 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;   receiving, at the one or more processors, historical hail data based upon the building data, wherein the historical hail data is representative of attributes of historical hail that has impacted the geographic area; and   generating, by the one or more processors, a base-line probable roof loss confidence score based upon the building data, the roof data, the weather data, and the hail data.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein the base-line probably roof loss confidence score is generated using a probability function. 
     
     
         3 . The computer-implemented method of  claim 2 , wherein a contribution of a first term of the probability function is weighted, via a first weighting variable, relative to a second term of the probability function. 
     
     
         4 . The computer-implemented method of  claim 3 , wherein the first term of the probability function is based upon the roof data, and wherein the second term of the probability function is based upon the hail data. 
     
     
         5 . The computer-implemented method of  claim 4 , wherein the first weighting variable is dynamically determined based upon at least one of: the building data, the roof data, the historical weather data, or the historical hail data. 
     
     
         6 . The computer-implemented method of  claim 1 , wherein the attributes of the building include at least one of: a geographic location of the building, a building orientation relative to geographic cardinal directions, whether the building is single story, whether the building is two story, whether the building is multi-story, whether there is tree cover over the building, location and height of structures surrounding the building, or elevation of terrain surrounding the building. 
     
     
         7 . The computer-implemented method of  claim 1 , wherein the roof data is representative of at least one of: a roofing system covering the building, a structural truss system that forms the design and shape of the roof, roof sheathing, underlayment, roofing felt, membrane, self-adhered water and ice-dam protection membrane, tar, tar paper, exterior roofing material covering, roof vents, flashing and drip edges, a component comprising part of the overall roof surface covering of the building, a roofing product age, roof area, a roofing material type, a roofing design, a roofing configuration, a roofing product condition, whether a roof is a gable roof, whether a roof is a hip roof, a roof slope, a number of layers of roofing material, a roof deck condition, a roofing manufacturer product testing result, a roofing installation criteria, a roofing product impact testing result, a roofing product wind testing result, a roofing installation, whether a roofing product complies with a particular roof impact test standard or protocol, whether the roofing product is impact resistant rated, a roofing product impact resistance rating, a roofing product wind rating, a roofing shingle specification, whether a roofing product was installed during cold conditions with hand-sealed roofing cement, a roof underlayment, a roofing facer technology, a polyiso roofing insulation, an EPS insulation, whether a roof includes roof ventilation, an attic detail, a roofing product manufacture warranty, a roofing product installer warranty, or a roofing product third-party warranty. 
     
     
         8 . The computer-implemented method of  claim 1 , wherein the attributes of the historical storms include at least one of: a storm meteorological signature, a storm duration, a storm direction, thermal shock, whether a storm is conducive to producing damaging hail, whether a storm is conducive to producing strong winds, key meteorological aspects of a 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. 
     
     
         9 . The computer-implemented method of  claim 1 , wherein the attributes of the historical hail include at least one of: a physical characteristic of the historical hail, a size of the historical hail, a shape of the historical hail, a density of the historical hail, a hardness of the historical hail, a range of hail sizes produced by a storm, or a resistance to flexing of the historical hail. 
     
     
         10 . The computer-implemented method of  claim 1 , further comprising:
 receiving, at the one or more processors, climate region data based upon the building data, wherein the base-line probable roof loss confidence score is further generated based upon the climate region data.   
     
     
         11 . A computer system for generating a base-line probable roof loss confidence score associated with a roof of a building, the system comprising:
 one or more processors; and   a non-transitory computer-readable memory coupled to the one or more processors, and storing thereon instructions that, when executed by the one or more processors, cause the system to:
 receive building data representative of attributes of the building; 
 receive roof data representative of a roof of the building; 
 receive historical weather data based upon 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; 
 receive historical hail data based upon the building data, wherein the historical hail data is representative of attributes of historical hail that has impacted the geographic area; and 
 generate a base-line probable roof loss confidence score based upon the building data, the roof data, the weather data, and the hail data. 
   
     
     
         12 . The computer system of  claim 11 , wherein the base-line probably roof loss confidence score is generated using a probability function. 
     
     
         13 . The computer system of  claim 12 , wherein a contribution of a first term of the probability function is weighted, via a first weighting variable, relative to a second term of the probability function. 
     
     
         14 . The computer system of  claim 13 , wherein the first term of the probability function is based upon the roof data, and wherein the second term of the probability function is based upon the hail data. 
     
     
         15 . The computer system of  claim 14 , wherein the first weighting variable is dynamically determined based upon at least one of: the building data, the roof data, the historical weather data, or the historical hail data. 
     
     
         16 . The computer system of  claim 11 , wherein the attributes of the building include at least one of: a geographic location of the building, a building orientation relative to geographic cardinal directions, whether the building is single story, whether the building is two story, whether the building is multi-story, whether there is tree cover over the building, location and height of structures surrounding the building, or elevation of terrain surrounding the building. 
     
     
         17 . The computer system of  claim 11 , wherein the roof data is representative of at least one of: a roofing system covering the building, a structural truss system that forms the design and shape of the roof, roof sheathing, underlayment, roofing felt, membrane, self-adhered water and ice-dam protection membrane, tar, tar paper, exterior roofing material covering, roof vents, flashing and drip edges, a component comprising part of the overall roof surface covering of the building, a roofing product age, roof area, a roofing material type, a roofing design, a roofing configuration, a roofing product condition, whether a roof is a gable roof, whether a roof is a hip roof, a roof slope, a number of layers of roofing material, a roof deck condition, a roofing manufacturer product testing result, a roofing installation criteria, a roofing product impact testing result, a roofing product wind testing result, a roofing installation, whether a roofing product complies with a particular roof impact test standard or protocol, whether the roofing product is impact resistant rated, a roofing product impact resistance rating, a roofing product wind rating, a roofing shingle specification, whether a roofing product was installed during cold conditions with hand-sealed roofing cement, a roof underlayment, a roofing facer technology, a polyiso roofing insulation, an EPS insulation, whether a roof includes roof ventilation, an attic detail, a roofing product manufacture warranty, a roofing product installer warranty, or a roofing product third-party warranty. 
     
     
         18 . The computer system of  claim 11 , wherein the attributes of the historical storms include at least one of: a storm meteorological signature, a storm duration, a storm direction, thermal shock, whether a storm is conducive to producing damaging hail, whether a storm is conducive to producing strong winds, key meteorological aspects of a 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. 
     
     
         19 . The computer system of  claim 11 , wherein the attributes of the historical hail include at least one of: a physical characteristic of the historical hail, a size of the historical hail, a shape of the historical hail, a density of the historical hail, a hardness of the historical hail, a range of hail sizes produced by a storm, or a resistance to flexing of the historical hail. 
     
     
         20 . The computer system of  claim 11 , wherein the instructions further cause the system to:
 receive climate region data based upon the building data, wherein the base-line probable roof loss confidence score is further generated based upon the climate region data.