Abstract:
Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication, whereby the plurality of devices are covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may receive identifications for the devices, and may update an inventory list to include the plurality of devices. A total market value of the devices may be calculated, and the central controller may estimate any modification to the insurance policy based upon the total market value. The controller may facilitate the modification to the insurance policy with a customer and an insurance provider. The smart devices may be, or be associated with, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.
Abstract:
Methods and systems that manage building code compliance are provided. A smart or interconnected home may be populated with multiple smart or other devices that are in wired or wireless communication with a central controller. The smart devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The controller may receive building code compliance information associated with the smart devices, and may update an inventory list to include the building code compliance information. The controller may detect that one or more devices do not comply with building code requirements. The controller may transmit a notification to a customer about possible corrective actions to remedy non-compliant conditions and to facilitate building code compliance. The smart devices may be associated with appliances, electronics, wiring, pipes, ducts, or other equipment or personal belongings. Insurance discounts may be provided based upon the building code compliance functionality.
Abstract:
Methods and systems for processing insurance policies associated with properties may be provided. A home may be populated with smart devices that are connected to, or in communication with, a central (or “smart home”) controller, such as via wired or wireless communication. The smart devices are covered by an insurance policy, such as homeowners, renters, or personal articles insurance. The central controller may receive, with customer permission, service log information for the devices, and update an inventory list to include the service log information. The controller may detect that a smart device has been repaired, and then generate and transmit a notification to the customer. In some cases, the notification may prompt the customer to schedule a future repair event. The smart devices may be associated with appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other personal belongings. Insurance discounts may be provided based upon the service log/maintenance functionality.
Abstract:
Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.
Abstract:
A video flame detection system and method for controlling a range. The system includes a video flame detector assembly coupled to an electric range and having a camera. A relay control board is coupled to the video flame detector assembly and includes a smoke contact, a flame contact, a relay module, a processor, and a memory coupled to the processor. A range control system is coupled to the relay control board and includes a control relay. When the video flame detector assembly detects smoke, the video flame detector assembly activates the smoke contact of the relay module, causing the range control system to modulate the electric current of a heating element of the range according to at least one of a first pattern or a second pattern.
Abstract:
Described methods and systems user to manually activate or engage the pump from a remote location and/or to monitor the state of the sump pump (e.g., the water level, the pump condition, pipe conditions, etc.) when located at a remote location relative to the sump pump. A sump pump system may implement sensors configured to detect motion or acceleration of a sensor disposed in water in the sump basin or disposed on a sump pump or pipe. The sump pump system may analyze data from these sensors to identify diagnostic metrics or values that are transmitted to a user's user interface device, thereby notifying a user of conditions such as a stuck impeller, a blocked pipe, a dry pumping pump, etc.
Abstract:
Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.
Abstract:
The following relates generally to providing virtual reality (VR) alerts to a driver of an autonomous vehicle. For example, a vehicle may be driving autonomously while the driver is watching a VR movie (e.g., on a pair of VR goggles); the driver may then receive a VR alert recommending that the driver take control of the vehicle (e.g., switch the vehicle from autonomous to manual mode). The following also relates to generating a VR feed for presenting real-time road conditions so that a user may preview a road segment. The following also relates to generating a VR feed corresponding to an event (e.g., a vehicle collision, a crime, a weather event, and/or a natural disaster).
Abstract:
Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.
Abstract:
Methods and systems for power transfer and routing in a compartmentalized electric vehicle (EV) having detachable compartments, and for handing off a load from one EV to another EV for delivering the load to a destination are described herein. Each detachable compartment in the compartmentalized EV may have a separate power supply, motor, set of wheels, and/or autonomous operation features. The detachable compartments may attach to each other, such that each of the detachable compartments combine to form a compartmentalized EV that travels to a particular location.