Systems and methods for generating a home score for a user

US12277616B2 · kind B2 · utility

Assignee

• State Farm Mutual Automobile Insurance Company · US

Inventors

• Sharon Gibson · Carlock, US
• Nicholas Carmelo Marotta · Scottsdale, US
• Daniel Wilson · Acworth, US
• David Frank · North Liberty, US
• Phillip Michael Wilkowski · Phoenix, US
• Jason Goldfarb · Bloomington, US

Key dates

• Filing date: Oct 24, 2022
• Grant date: Apr 15, 2025
• Expiry date: Oct 24, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q50/163
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a property; (2) determining, based upon the home data for the property, one or more home score factors, wherein the determining may include: (i) analyzing, using a trained machine learning data evaluation model, the home data for the property to determine home characteristic data for the property, (ii) analyzing, using the trained machine learning data evaluation model, the home data for the property to determine a likelihood of loss associated with the property, and (iii) determining, based upon the home characteristic data for the property and the likelihood of loss associated with the property; and (3) generating, based upon the one or more home score factors, a home score for the property.