System and method for detecting potential property insurance fraud
AssigneeHartford Fire Insurance Company
InventorPatrick D. Brown
Life of this patent
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Abstract
Methods for assessing a condition of property for insurance purposes include determining a concentration of a molecular constituent at the insured property. The molecular constituent may be a byproduct or residual product of anthropogenic fire accelerants or anthropogenic sources of ignition or explosion. In some embodiments, the concentration of the molecular constituent at the insured property is determined using spectral imaging technology. Radiative transfer computer models may be used to determine the concentration of the molecular constituent based on spectral images.
Claims20
A method for assessing a condition of an insured property for insurance purposes, the method comprising the steps of:
- determining, by a computer processor, a first spectral signature indicative of a first concentration of a molecular constituent at the insured property at a first timestamp;
- determining, by the computer processor, a second spectral signature indicative of a second concentration of the molecular constituent at the insured property at a second timestamp later than the first timestamp;
- determining, by the computer processor, a spectral difference between the first spectral signature and the second spectral signature, the spectral difference corresponding to a difference between the first and second concentrations of the molecular constituent;
- and
- determining, by the computer processor, whether the spectral difference exceeds a first predetermined threshold value, which is indicative of a change in the condition of the insured property.
A method for assessing a condition of a property for insurance purposes, the method comprising the steps of:
- determining, by a computer processor, a spectral signature indicative of a concentration of a molecular constituent at the insured property;
- and
- determining, by the computer processor, whether the concentration of the molecular constituent exceeds a first predetermined threshold value, which is indicative of a condition of the insured property.
Dependencies are inferred from the claim text.