US 10,755,357 B1Granted

Aerial imaging for insurance purposes

AssigneeState Farm Mutual Automobile Insurance Company

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

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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.

Claims20

Dependent claims

A computer-implemented method comprising:

receiving, by one or more processors, one or more digital aerial images of a property of a current or potential policyholder, including a spectrometer image obtained using a spectrometer;
processing, by one or more processors, the one or more digital aerial images according to one or more image analysis techniques to determine one or more features of the property, wherein processing the one or more digital aerial images according to the one or more image analysis techniques to determine one or more features of the property includes determining one or more features of a tree located on or near the property, at least in part by processing the spectrometer image to determine a density of a portion of the tree;
determining environmental stressor information with respect to an area that includes the property, the environmental stressor information including one or more of (i) whether the area is or has been subject to prolonged drought, (ii) whether the area has water-logged soil, (iii) whether the area is or has been subject to an ice storm, (iv) whether the area is or has been subject to a wildfire, or (v) whether the area is or has been subject to a tree disease or insect infestation;
analyzing, by one or more processors, the one or more features of the property to determine a risk of damage to a structure or object located on the property, wherein analyzing the one or more features of the property to determine a risk of damage to the structure or object includes using (i) the one or more features of the tree, and (ii) the environmental stressor information, to determine the risk of damage to the structure or object;
and
generating, by one or more processors and based on the risk of damage to the structure or object, a risk output that includes one or more of (i) an indication of whether action should be taken to mitigate the risk of damage to the structure or object, (ii) an indication of whether insurance coverage associated with the structure or object should be offered, or (iii) a measure of the risk of damage to the structure or object.

3 more elements

A tangible, non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:

process one or more digital aerial images of a property of a current or potential policyholder, including a spectrometer image obtained using a spectrometer, according to one or more image analysis techniques to determine one or more features of the property, wherein processing the one or more digital aerial images according to the one or more image analysis techniques to determine one or more features of the property includes determining one or more features of a tree located on or near the property, at least in part by processing the spectrometer image to determine a density of a portion of the tree;
determine environmental stressor information with respect to an area that includes the property, the environmental stressor information including one or more of (i) whether the area is or has been subject to prolonged drought, (ii) whether the area has water-logged soil, (iii) whether the area is or has been subject to an ice storm, (iv) whether the area is or has been subject to a wildfire, or (v) whether the area is or has been subject to a tree disease or insect infestation;
analyze the one or more features of the property to determine a risk of damage to a structure or object located on the property, wherein analyzing the one or more features of the property to determine a risk of damage to the structure or object includes using (i) the one or more features of the tree, and (ii) the environmental stressor information, to determine the risk of damage to the structure or object;
and
generate, based on the risk of damage to the structure or object, a risk output that includes one or more of (i) an indication of whether action should be taken to mitigate the risk of damage to the structure or object, (ii) an indication of whether insurance coverage associated with the structure or object should be offered, or (iii) a measure of the risk of damage to the structure or object.

2 more elements

Dependencies are inferred from the claim text.