Automated parametric modular system or digital platform for forward-looking measurements and ratings of measurable impacts of occurring flood events and modular automated risk-transfer structure providing an adjustable flood impact cover and method thereof

Abstract

The invention relates to automated method and flood measuring and trigger system for providing a dynamic parametric flood impact cover for physical objects being measurably impacted by an occurrence of a flood event by using an adaptive damage-cover structure of a damage-cover system based on physical flood event measurements, wherein by flood detection devices and/or flood sensors, an occurrence of a flood event is measured by measuring floodings within the grid cells of the spatial grid, wherein flood measuring parameters of the flood detection devices and/or flood sensors are transmitted to the central measuring engine and wherein, based on the transmitted flood measuring parameters, grid cells measured as flooded are contributing to the area measured as affected while grid cells measured as not flooded are contributing to the area measured as not affected.

1 . An automated method, implemented by a flood measuring and trigger system, for providing a dynamic parametric flood impact cover for physical objects being measurably impacted by an occurrence of a flood event by using an adaptive damage-cover structure of a damage-cover system based on physical flood event measurements, comprising:
 capturing, by a predefined data structure of a central measuring engine, a geographic area to be covered, the data structure at least comprising definable area parameters capturing geographic location and/or geographic extent of said geographic area;   splitting, by the central measuring engine, the geographic area to be covered by a spatial grid with equidistant or adjusted grid cells of definable or adjustably determined size;   measuring, by flood detection devices and/or flood sensors, an occurrence of a flood event by measuring floodings within the grid cells of the spatial grid, wherein flood measuring parameters of the flood detection devices and/or flood sensors are transmitted to the central measuring engine and wherein, based on the transmitted flood measuring parameters, grid cells measured as flooded are contributing to the area measured as affected while grid cells measured as not flooded are contributing to the area measured as not affected;   measuring a flood threshold measurand, wherein the flood threshold measurand is selected from a percentage of the geographic area given by the area measured as affected to the total geographic area; and   triggering the adaptive damage-cover structure to cover physical damages or losses associated with the measured occurrence of the flood event, the occurrence measurably impacting physical objects situated in the affected area and/or grid cells measured as affected, wherein the adaptive damage-cover structure is adapted by the damage-cover system based on the flood threshold measurand providing the dynamic parametric flood impact cover.   
     
     
         2 . The method according to  claim 1 , wherein the adaptive damage-cover structure is only triggered if the flood threshold measurand is measured to exceed a predefined flood threshold value. 
     
     
         3 . The method according to  claim 1 , wherein the adaptive damage-cover structure is triggered to provide a damage cover directly dependent on the measured flood threshold measurand. 
     
     
         4 . The method according to  claim 1 , wherein the adaptive damage-cover structure of the damage-cover system is triggered by transmitting electronic steering signals from to the automatedly steered electronic first and/or second resource-pooling system, wherein the adaptive damage-cover structure is adapted by the damage-cover system based on the flood threshold measurand transmitted by the electronic steering signals. 
     
     
         5 . The method according to  claim 1 , wherein the triggering the adaptive damage-cover structure for covering physical damages or loss associated with the measured occurrence of the flood event comprises generating a parametric coverage based on the adaptive damage-cover structure, and transferring, by an electronic payment transfer module, based on the generated parametric coverage monetary pay-out parameter values by electronic payment transfer to cover the physical damages or loss associated with the measured occurrence. 
     
     
         6 . The method according to  claim 1 , wherein the grid cells are defined as two dimensional blocks of m×n size. 
     
     
         7 . The method according to  claim 6 , wherein the two dimensional m×n blocks are of approximately 8.72*10 −5  radian size. 
     
     
         8 . The method according to  claim 6 , wherein the dimensional m×n blocks are of approximately 0.005*0.005 deg size. 
     
     
         9 . The method according to  claim 1 , wherein the geographic area comprising surveyed landscape representative of area covered by dry land and wetland. 
     
     
         10 . The method according to  claim 1 , wherein the occurrence of the flood event is detected using loopback signaling. 
     
     
         11 . The method according to  claim 1 , wherein the grid cells measured as flooded are determined using at least an artificial intelligence based data-processing structure and/or a machine-learning-based data-processing structure. 
     
     
         12 . The method according to  claim 1 , wherein the affected area is measured using at least partially air-based and/or space-based optical measuring devices. 
     
     
         13 . The method according to  claim 1 , further comprising generating a premium value based on a specific selection of the parametric flood impact cover. 
     
     
         14 . The method according to  claim 1 , wherein the triggering the adaptive damage-cover structure for covering physical damages or loss associated with the measured occurrence of the flood event comprises generating a parametric coverage based on a cover activation signaling or electronic payout function, and transferring, by an electronic payment transfer module, based on the output of the cover activation signaling or electronic payout function a monetary pay-out by electronic payment transfer to cover the physical damages or loss associated with the measured occurrence. 
     
     
         15 . The method according to  claim 14 , wherein the cover activation signaling or electronic payout function comprises a linear payout function and/or a stepped payout function and/or a deductibles-based payout function. 
     
     
         16 . The method according to  claim 14 , wherein the cover activation signaling or electronic payout function is selectable based on topography and/or exposure distribution. 
     
     
         17 . The method according to  claim 14 , wherein the cover activation signaling or electronic payout function is user-specific definable. 
     
     
         18 . The method according to  claim 14 , wherein the geographic area comprises at least parts definable as automatically excluded from the dynamic parametric flood impact cover. 
     
     
         19 . A flood measuring and trigger system for triggering a dynamic parametric flood impact cover for physical objects being measurably impacted by an occurrence of a flood event by using an adaptive damage-cover structure of an electronic damage-signaling and/or damage-cover system based on physical flood event measurements, the flood measuring and trigger system comprising:
 a central measuring engine with a predefined data structure for capturing a geographic area to be covered, the data structure at least comprising definable area parameters capturing geographic location and/or geographic extent of said geographic area,   wherein   the predefined data structure comprises grid parameters for splitting the geographic area to be covered by the spatial grid with equidistant or variable grid cells of definable or automatically adaptable size by means of a dynamic grid splitter,   the flood measuring and trigger system comprises flood detection devices and/or flood sensors for measuring an occurrence of a flood event by measuring floodings within grid cells of the spatial grid, wherein flood measuring parameters of the flood detection devices and/or flood sensors are transmitted to the central measuring engine and wherein, based on the transmitted flood measuring parameters, grid cells measured as flooded are contributing to the area measured as affected while grid cells measured as not flooded are not contributing to the area measured as affected;   the central measuring engine comprises a flood threshold measurand, wherein the flood threshold measurand is selected from a percentage of the geographic area given by the area measured as affected to the total geographic area, and   the central measuring engine comprises an electronic flood trigger for triggering the adaptive damage-cover structure covering physical damages or loss associated with the measured occurrence of the flood event, the occurrence measurably impacting physical objects situated in the affected area and/or grid cells measured as affected, wherein the adaptive damage-cover structure is adapted by the damage-cover system based on the flood threshold measurand providing the dynamic parametric flood impact cover.