US-12626307-B1 - Systems and methods for modeling and predicting property damage

US12626307B1US 12626307 B1US12626307 B1US 12626307B1US-12626307-B1

Abstract

A roof assessment (RA) computing device may be programmed to store a roof assessment model within memory wherein the roof assessment model may be configured to determine a roof status of a selected roof after experiencing a weather event, output from the roof assessment model target weather event parameters for the selected roof wherein the target weather event parameters are weather event parameters that result in at least repairable damage to the selected roof, store the target weather event parameters in memory for the selected roof, determine that the selected roof has experienced a first weather event having weather event parameters that meet the target weather event parameters, and/or transmit a message to a user computing device associated with the selected roof advising that a claim associated with an insurance policy has been triggered as a result of the selected roof experiencing the first weather event.

Inventors

Christian T. Kang
Hanpei Zhang
Ross Wheeler
Kaleb W. Ringenberg
Dustin Helland
Ashish Sawhney
Anjela Spreen
Benjamin L. Clawson
Douglas L. Dewey
Joshua M. Mast

Assignees

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Dates

Publication Date: 20260512
Application Date: 20230919

Claims (18)

1 . A roof assessment (RA) computing device comprising at least one memory and at least one processor in communication with the at least one memory, wherein the at least one processor is programmed to: store a roof assessment model within the at least one memory, the roof assessment model configured to determine, prior to a weather event occurring, a projected roof status of a selected roof after experiencing the weather event, wherein the roof assessment model is trained using historical weather incident data and historical roof structural data; output from the roof assessment model target weather event parameters for the selected roof that include weather event parameters resulting in a projected damaged roof status for the selected roof that includes repairable damage to the selected roof; store, in the at least one memory, the target weather event parameters for the selected roof, a geographic location of the selected roof, and a policy that is triggered based upon the target weather event parameters occurring; receive weather data from a weather source computer system via one or more application programming interfaces (APIs), the weather data representing a first weather event at the geographic location; determine that the first weather event occurred at the geographic location and has first weather event parameters that meet the target weather event parameters based upon the weather data; based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters, transmit a notification to a user computing device associated with the selected roof advising that the selected roof has experienced the first weather event comprising the first weather event parameters that meet the target weather event parameters for triggering the policy; cause display, on the user computing device, of one or more data fields associated with receiving settlement for triggering the policy; and automatically input the one or more data fields to complete settlement for the triggering of the policy.
2 . The RA computing device of claim 1 , wherein the at least one processor is further programmed to receive the first weather event parameters via the one or more APIs.
3 . The RA computing device of claim 1 , wherein the at least one processor is further programmed to train the roof assessment model using the historical weather incident data and the historical roof structural data.
4 . The RA computing device of claim 3 , wherein the at least one processor is further programmed to re-train the roof assessment model using updated historical weather incident data and updated historical roof structural data.
5 . The RA computing device of claim 1 , wherein in response to transmitting the notification, the at least one processor is further programmed to receive an input from the user computing device requesting that a claim associated with the policy be generated and processed.
6 . The RA computing device of claim 5 , wherein the at least one processor is further programmed to cause the claim to be filed.
7 . At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the at least one processor to: store a roof assessment model in memory, the roof assessment model configured to determine, prior to a weather event occurring, a projected roof status of a selected roof after experiencing the weather event, wherein the roof assessment model is trained using historical weather incident data and historical roof structural data; output from the roof assessment model target weather event parameters for the selected roof that include weather event parameters resulting in a projected damaged roof status for the selected roof that includes repairable damage to the selected roof; store, in the memory, the target weather event parameters for the selected roof, a geographic location of the selected roof, and a policy that is triggered based upon the target weather event parameters occurring; receive weather data from a weather source computer system via one or more application programming interfaces (APIs), the weather data representing a first weather event at the geographic location; determine that the first weather event occurred at the geographic location and has first weather event parameters that meet the target weather event parameters based upon the weather data; based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters, transmit a notification to a user computing device associated with the selected roof advising that the selected roof has experienced the first weather event comprising the first weather event parameters that meet the target weather event parameters for triggering the policy; cause display, on the user computing device, of one or more data fields associated with receiving settlement for triggering the policy; and automatically input the one or more data fields to complete settlement for the triggering of the policy.
8 . The at least one non-transitory computer-readable storage media of claim 7 , wherein the computer-executable instructions further cause the at least one processor to receive the first weather event parameters via the one or more APIs.
9 . The at least one non-transitory computer-readable storage media of claim 7 , wherein the computer-executable instructions further cause the at least one processor to train the roof assessment model using the historical weather incident data and the historical roof structural data.
10 . The at least one non-transitory computer-readable storage media of claim 9 , wherein the computer-executable instructions further cause the at least one processor to re-train the roof assessment model using updated historical weather incident data and updated historical roof structural data.
11 . The at least one non-transitory computer-readable storage media of claim 7 , wherein in response to transmitting the notification, the computer-executable instructions further cause the at least one processor to receive an input from the user computing device requesting that a claim associated with the policy be generated and processed.
12 . The at least one non-transitory computer-readable storage media of claim 11 , wherein the computer-executable instructions further cause the at least one processor to cause the claim to be filed.
13 . A computer-based method implemented by at least one processor in communication with at least one memory, the computer-based method comprising: storing a roof assessment model within a memory, the roof assessment model configured to determine, prior to a weather event occurring, a projected roof status of a selected roof after experiencing the weather event, wherein the roof assessment model is trained using historical weather incident data and historical roof structural data; outputting from the roof assessment model target weather event parameters for the selected roof that include weather event parameters resulting in a projected damaged roof status for the selected roof that includes repairable damage to the selected roof; storing, in the memory, the target weather event parameters for the selected roof, a geographic location of the selected roof, and a policy that is triggered based upon the target weather event parameters occurring; receiving weather data from a weather source computer system via one or more application programming interfaces (APIs), the weather data associated with a first weather event at the geographic location; determining that the first weather event occurred at the geographic location and has first weather event parameters that meet the target weather event parameters based upon the weather data; based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters, transmitting a notification to a user computing device associated with the selected roof advising that the selected roof has experienced the first weather event comprising the first weather event parameters that meet the target weather event parameters for triggering the policy; causing display, on the user computing device, of one or more data fields associated with receiving settlement for triggering the policy; and automatically inputting the one or more data fields to complete settlement for the triggering of the policy.
14 . The computer-based method of claim 13 , further comprising receiving the first weather event parameters via the one or more APIs.
15 . The computer-based method of claim 13 , further comprising training the roof assessment model using the historical weather incident data and the historical roof structural data.
16 . The computer-based method of claim 15 , further comprising re-training the roof assessment model using updated historical weather incident data and updated historical roof structural data.
17 . The computer-based method of claim 13 , further comprising: receiving an input from the user computing device requesting that a claim associated with the policy be filed; and causing the claim to be filed.
18 . The RA computing device of claim 1 , wherein the at least one processor is further programmed to transmit the notification only based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters and without receiving inspection data associated with an in-person or electronic inspection of the selected roof.

Description

CROSS REFERENCE TO RELATED APPLICATIONS This application claims the benefit of priority to U.S. Provisional Patent Application No. 63/507,018, filed Jun. 8, 2023, U.S. Provisional Patent Application No. 63/486,563, filed Feb. 23, 2023, and U.S. Provisional Patent Application No. 63/484,416, filed Feb. 10, 2023, the contents and disclosures of which are hereby incorporated by reference herein in their entireties. FIELD OF THE DISCLOSURE The present disclosure relates to determining property damage after an incident and, more particularly, to systems and methods for modeling and predicting property damage resulting from an incident. BACKGROUND After an incident such as a weather incident, a policyholder may submit a claim to an insurance carrier regarding property damage resulting from the weather incident, which may then initiate a series of insurance claim processing steps. After a claim is filed, an insurance agent and/or insurance representative at a call center may intake the claim and schedule an in-person inspection of the property to assess the damage. The in-person inspection may be performed by a trained claims adjustor or a certified roof inspector, or some other person with specialized skills. The physical inspection may then be performed. After the inspection, an estimate, such as a handwritten estimate, and/or a claim settlement may be determined based at least in part on the inspection and a payment may be issued to the policyholder. Scheduling an in-person inspection may be costly and may take some time to complete. Inspection times may include travel time and the time to perform the actual inspection, and policyholders may be waiting in a queue until an inspector is available to perform the in-person inspection. Inspection times may cause delays in the issuance of claim funds. Issuance of claim funds may be further delayed if a policyholder does not promptly file a claim because the claim processing steps, e.g., scheduling of an in-person inspection, may only be initiated after the policyholder files a claim. Accordingly, there exists a need to more quickly, accurately, and simply assess property damage as a result of a weather incident to improve insurance processing to quickly and accurately issue a policyholder claim funds. Conventional techniques may include additional inefficiencies, encumbrances, ineffectiveness, and/or other drawbacks. BRIEF SUMMARY The present embodiments may relate to a roof assessment (RA) system for assessing potential damage to roofs and/or other structural components of a building. In certain embodiments, a computer system and computer-implemented method may include and/or may be associated with parametric insurance, such as parametric homeowner insurance, parametric roof insurance, parametric roof coverage or roof endorsements, or the like. In one aspect, a roof assessment (RA) computing system may be provided. The system may include one or more local or remote processors, servers, sensors, transceivers, mobile devices, wearables, smart watches, smart contact lenses, voice bots, chat bots, ChatGPT bots, augmented reality glasses, virtual reality headsets, mixed or extended reality headsets or glasses, and other electronic or electrical components, which may be in wired or wireless communication with one another. For example, in one instance, a RC computing device may include at least one memory and at least one processor in communication with the at least one memory. The processor may be programmed to: (1) receive weather incident data associated with a weather event in a geographic location; (2) retrieve roof data including roof structural data associated with a roof in the geographic location, wherein the roof is associated with a policy stored in the at least one memory; (3) based upon the roof being associated with the policy, apply the roof data and the weather incident data to a trained roof assessment model configured to determine a roof status of the roof wherein the trained roof assessment model is trained using historic weather incident data and historic roof structural data; (4) receive an output from the trained roof assessment model wherein the output includes a recommendation to replace at least a portion of the roof based upon the roof status; and/or (5) based upon the recommendation, transmit a message to a user computing device associated with the policy that causes display of a claim selector at the user computing device wherein selection of the claim selector causes initiation of a claim associated with replacement of at least the portion of the roof. The computing device may include additional, less, or alternate functionality, including that discussed elsewhere herein. In another aspect, a roof assessment (RA) computing device including at least one memory and at least one processor in communication with the at least one memory may be provided wherein the at least one processor is programmed to receive weather incident data associated with a