公开(公告)号：US10755357B1

公开(公告)日：2020-08-25

申请号：US15093901

申请日：2016-04-08

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Timothy Joel Davis ,  Amy Engelhorn ,  Tami R. Custer ,  Karen E. Przybylski ,  Paul C. Szews ,  Rosemarie Geier Grant ,  Eric Haefli ,  Arthur P. Paulette, Jr.

IPC: G06Q40/08 ,  G06Q50/16 ,  G06K9/00 ,  G06T7/60

Abstract: In a computer-implemented method, one or more digital aerial images of a property of a current or potential policyholder may be received. The digital aerial image(s) (e.g., camera images, spectrometer images, LiDAR images, etc.) may be processed according to one or more image analysis techniques to determine one or more features of the property. The property feature(s) (e.g., tree heights, distances between trees and homes, sizes and/or masses of tree limbs, presence of ice dams, etc.) may be analyzed to determine a risk of damage to a structure or object located on the property. Based on the risk of damage, a risk output that includes (i) an indication of whether action should be taken to mitigate the risk of damage, (ii) an indication of whether insurance coverage associated with the structure or object should be offered, and/or (iii) a measure of the risk of damage, may be generated.

公开(公告)号：US20230137389A1

公开(公告)日：2023-05-04

申请号：US18089086

申请日：2022-12-27

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Timothy Joel Davis ,  Amy Engelhorn ,  Tami R. Custer ,  Karen E. Przybylski ,  Paul C. Szews ,  Rosemarie Geier Grant ,  Eric Haefli ,  Arthur P. Paulette, JR.

IPC: G06Q40/08 ,  G06V20/10 ,  G06Q50/16

Abstract: In a computer-implemented method, one or more digital aerial images of a property are received, and processed according to one or more image analysis techniques to determine one or more features of the property, including one or more features of a tree located on or near the property. A time of year corresponding to at least one of the digital aerial images is determined, and the feature(s) of the property and the time of year are analyzed to determine a risk of damage to a structure located on the property. Based at least in part on the risk of damage, a risk output is generated that includes an indication of whether action should be taken to mitigate the risk of damage to the structure, an indication of whether insurance coverage associated with the structure should be offered, and/or a measure of the risk of damage to the structure.

公开(公告)号：US11568494B1

公开(公告)日：2023-01-31

申请号：US16933358

申请日：2020-07-20

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Timothy Joel Davis ,  Amy Engelhorn ,  Tami R. Custer ,  Karen E. Przybylski ,  Paul C. Szews ,  Rosemarie Geier Grant ,  Eric Haefli ,  Arthur P. Paulette, Jr.

IPC: G06Q40/08 ,  G06Q50/16 ,  G06V20/10

Abstract: In a computer-implemented method, one or more digital aerial images of a property of a current or potential policyholder may be received. The digital aerial image(s) may be processed to determine one or more features of the property, including one or more features of a tree. A predicted location of roots of the tree is determined based upon the tree feature(s). The property feature(s) is/are analyzed to determine a risk of damage to a structure located on the property, by analyzing at least the predicted location of roots of the tree to determine a risk of damage to a foundation of the structure. Based at least in part on this risk, a risk output is generated that includes an indication of whether action should be taken to mitigate the risk of damage and/or whether insurance coverage should be offered, and/or includes a measure of the risk of damage.