US2023274368A1PendingUtilityA1
Providing data associated with insured losses
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COPriority: Jan 4, 2017Filed: May 3, 2023Published: Aug 31, 2023
Est. expiryJan 4, 2037(~10.4 yrs left)· nominal 20-yr term from priority
G06Q 40/08G06V 20/176
77
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Claims
Abstract
A computer-implemented method for assessing damage to a plurality of properties is provided. After an occurrence of an event that is a potential cause of insured losses, image data depicting an aerial view of the properties may be received from an aerial platform. The image data may be processed to determine a subsequent condition of each property after occurrence of the event. Further, a damage severity level may be determined for each property, and used to display a map depicting different regions having properties with different respective damage severity levels.
Claims
exact text as granted — not AI-modifiedWhat is claimed is:
1 . A computer-implemented method for assessing damage to a plurality of properties, the method comprising:
after an occurrence of an event that is a potential cause of insured losses, receiving, using one or more processors, image data depicting the plurality of properties from an aerial platform; accessing, using the one or more processors, previous image data depicting the plurality of properties, prior to the occurrence of the event; based on processing the image data, determining, using the one or more processors, a damage severity level for each property of the plurality of properties; and processing, using the one or more processors, an insurance claim associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
2 . The computer-implemented method of claim 1 , further comprising:
displaying, using the one or more processors, in a graphical user interface, a map depicting (i) a first region including properties of the portion of the plurality of properties having a first damage severity level, and (ii) a second region including properties of the portion of the plurality of properties having a second damage severity level, wherein displaying the map includes: displaying, in the first region, a first pattern; and displaying, in the second region, a second pattern different from the first pattern.
3 . The computer-implemented method of claim 1 , further comprising:
causing, using the one or more processors, funds to be provided to an insured party associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
4 . The computer-implemented method of claim 1 , further comprising:
causing, using the one or more processors, an indication of a damage severity level of a particular property to be provided to an insured party associated with the particular property.
5 . The computer-implemented of claim 1 , wherein determining the damage severity level is further based on weather data associated with the event.
6 . The computer-implemented method of claim 1 , further comprising:
determining, using the one or more processors, prior to receiving the image data, a type of aerial platform from which to receive the image data.
7 . The computer-implemented method of claim 6 , wherein determining the type of aerial platform is based on weather conditions at one or more of the plurality of properties.
8 . A system for assessing damage to a plurality of properties, comprising:
a user interface; a memory storing a set of computer-executable instructions and previous image data; and one or more processors interfacing with the user interface and the memory, and configured to execute the computer-executable instructions to cause the one or more processors to:
after an occurrence of an event that is a potential cause of insured losses, receive, image data depicting the plurality of properties from an aerial platform;
access, from the memory, previous image data depicting the plurality of properties, the previous image data for each property of the plurality of properties, prior to the occurrence of the event;
based on processing the image data, determine a damage severity level for each property of the plurality of properties; and
process an insurance claim associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
9 . The system of claim 8 , wherein, to cause the user interface to display the map, the one or more processors are configured to:
cause the user interface to display a map depicting (i) a first region including properties of the portion of the plurality of properties having a first damage severity level, and (ii) a second region including properties of the portion of the plurality of properties having a second damage severity level; cause the user interface to display, in the first region, a first pattern; and cause the user interface to display, in the second region, a second pattern different from the first pattern.
10 . The system of claim 8 , wherein the instructions further cause the one or more processors to:
cause funds to be provided to an insured party associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
11 . The system of claim 8 , wherein the instructions further cause the one or more processors to:
cause an indication of a damage severity level of a particular property to be provided to an insured party associated with the particular property.
12 . The system of claim 8 , wherein, to determine the damage severity level, the one or more processors are configured to:
determine the damage severity level further based on weather data associated with the event.
13 . The system of claim 8 , wherein the instructions further cause the one or more processors to:
determine, prior to receiving the image data, a type of aerial platform from which to receive the image data.
14 . The system of claim 13 , wherein, to determine the type of aerial platform, the one or more processors are configured to:
determine the type of aerial platform based on weather conditions at one or more of the plurality of properties.
15 . A non-transitory computer-readable storage medium storing computer-readable instructions for accessing damage to a plurality of properties that, when executed by one or more processors, cause the one or more processors to:
after an occurrence of an event that is a potential cause of insured losses, receive, image data depicting the plurality of properties from an aerial platform; access previous image data depicting the plurality of properties, prior to the occurrence of the event; based on processing the image data, determine a damage severity level for each property of the plurality of properties; and process an insurance claim associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
16 . The non-transitory computer-readable storage medium of claim 15 , wherein, to display the map, the instructions cause the one or more processors to:
display, in a graphical user interface, a map depicting (i) a first region including properties of the portion of the plurality of properties having a first damage severity level, and (ii) a second region including properties of the portion of the plurality of properties having a second damage severity level; display, in the first region, a first pattern; and display, in the second region, a second pattern different from the first pattern.
17 . The non-transitory computer-readable storage medium of claim 15 , wherein the instructions further cause the one or more processors to:
cause funds to be provided to an insured party associated with a particular property of the plurality of properties based at least upon a damage severity level of the particular property.
18 . The non-transitory computer-readable storage medium of claim 15 , wherein the instructions further cause the one or more processors to:
cause an indication of a damage severity level of a particular property to be provided to an insured party associated with the particular property.
19 . The non-transitory computer-readable storage medium of claim 15 , wherein the instructions further cause the one or more processors to:
determining, using the one or more processors, prior to receiving the image data, a type of aerial platform from which to receive the image data.
20 . The non-transitory computer-readable storage medium of claim 19 , wherein, to determine the type of aerial platform, the instructions cause the one or more processors to:
determine the type of aerial platform based on weather conditions at one or more of the plurality of properties.Join the waitlist — get patent alerts
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