System and method for assessing a condition of an insured property
US8306258B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Nov 21, 2011 |
| Grant date | Nov 6, 2012 |
| Priority date | — |
| Expiry date | Nov 21, 2031 |
Classification
- Technology area (CPC Y)Emerging Cross-Sectional Technologies
- CPC primaryY02A10/40
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
A system and method for assessing a condition of property for insurance purposes includes a sensor for acquiring a spectral image. In a preferred embodiment, the spectral image is post-processed to generate at least one spectral radiance plot, the plot used as input to a radiative transfer computer model. The output of the model establishes a spectral signature for the property. Over a period of time, spectral signatures can be compared to generate a spectral difference, the difference attributed to a change in the condition of the property, such as a fire or flood. In response to the change, an insurance company initiates an insurance-related action such as processing a claim.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.