System and methods for community-based cause of loss determination

US9892463B1 · 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: Feb 13, 2018
• Expiry date: Jan 27, 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 determining a cause of loss to a property for damage associated with an insurance-related event based upon data received from a second property. A smart home (or other building) controller and/or an insurance provider remote processor may generate a time sequence of events for damage associated with an insure-related event. The smart home controller or remote processor may also receive a time-sequence of events generated by a smart home controller associated with a second property. The smart home controller or remote processor may compare the two time-sequences of events to determine causes of loss associated with damage to the property. The compared data may be further used to assign a portion of the overall damage to each cause of loss. Subsequently, the smart home controller or remote processor may automatically generate an insurance claim for damage to the property associated with the insurance-related event.