Systems and methods for processing damage to insured properties or structures

US9727921B2 · kind B2 · utility

Assignee

• State Farm Mutual Automobile Insurance Company · US

Inventors

• Michael K. Cook · Carlock, US
• Jonathan Guidry · Meylan, FR
• Jason O'Donnell · Bloomington, US
• Tim G. Sanidas · Bloomington, US
• Doug Dewey · Pflugerville, US

Key dates

• Filing date: Jun 9, 2014
• Grant date: Aug 8, 2017
• Expiry date: Jul 15, 2034

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/08
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Methods and systems for processing data associated with potential damage to a portion of the property. One or more sensors may be disposed in proximity to the portion of the property, where the one or more sensors are configured to sense physical force applied to the portion. A controller module calculates mechanical force data based on the sensor data and estimates an amount of damage to the portion of the property based on the mechanical force data. In some aspects, an insurance provider can use the estimated amount of damage to perform insurance coverage functionalities, estimate damage to additional properties, maintain a damage history for the property, and notify customers of suggested improvements to the property.