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
PatentIndex Score
0
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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-modified
What 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.

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