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    SYSTEMS AND METHODS FOR UTILIZING DATA FROM ELECTRICITY MONITORING DEVICES FOR ANALYTICS MODELING
    6.
    发明申请
    SYSTEMS AND METHODS FOR UTILIZING DATA FROM ELECTRICITY MONITORING DEVICES FOR ANALYTICS MODELING 有权

    公开(公告)号：US20210192630A1

    公开(公告)日：2021-06-24

    申请号：US16419691

    申请日：2019-05-22

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Daryoush Hakimi-Boushehri ,  Erin Ann Olander ,  Christopher N. Kawakita

    IPC分类号： G06Q40/08 ,  G01D4/00

    摘要： Methods and apparatus for evaluating usage of individual electric or electronic devices, such as appliances, powered via an electrical system of a home, is provided. The methods and apparatus correlate the usage of electric or electronic devices about a structure, such as a home, business, or office building to claim risk profiles to identify ways to lower risk corresponding to the usage of such electric or electronic devices. The methods and apparatus identify ways to lower risk by updating one or more terms of a user policy, such as a dynamic homeowners usage-based insurance (UBI) policy, providing a recommendation for upgrading or replacing individual electric or electronic devices, and/or adjusting the electricity consumption for the individual electric or electronic devices.

    Systems and methods for determining cause of loss to a property
    7.
    发明授权
    Systems and methods for determining cause of loss to a property 有权

    公开(公告)号：US11042942B1

    公开(公告)日：2021-06-22

    申请号：US16351988

    申请日：2019-03-13

    申请人： State Farm Mutual Automobile Insurance Company

    发明人： Daryoush Hakimi-Boushehri ,  Jackie O. Jordan, II ,  Shawn M. Call ,  John H. Weekes ,  Ronny S. Bryant ,  Jennifer Criswell ,  Todd Binion ,  Elisabeth McDermeit ,  John Donovan

    IPC分类号： G06Q40/08

    摘要： Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.

    Systems and methods for determining cause of loss to a property
    9.
    发明授权
    Systems and methods for determining cause of loss to a property 有权

    公开(公告)号：US10282787B1

    公开(公告)日：2019-05-07

    申请号：US14692946

    申请日：2015-04-22

    申请人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    发明人： Daryoush Hakimi-Boushehri ,  Jackie O. Jordan, II ,  Shawn M. Call ,  John H. Weekes ,  Ronny S. Bryant ,  Jennifer Criswell ,  Todd Binion ,  Elisabeth McDermeit ,  John Donovan

    IPC分类号： G06Q40/08

    摘要： Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.