Systems and methods for assigning damage caused by an insurance-related event

US10181160B1 · kind B1 · utility

Assignee

• State Farm Mutual Automobile Insurance Company · US

Inventors

• Daryoush Hakimi-Boushehri · Bloomington, US
• Jackie O. Jordan, II · Bloomington, US
• Shawn M. Call · Bloomington, US
• John H. Weekes · Bloomington, US
• Ronny S. Bryant · Bloomington, US
• Jennifer Criswell · Bloomington, US
• Todd Binion · Bloomington, US
• Elisabeth McDermeit · Bloomington, US
• John Donovan · Bloomington, US

Key dates

• Filing date: Apr 22, 2015
• Grant date: Jan 15, 2019
• Expiry date: Mar 19, 2036

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L12/2803
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.