Real property monitoring systems and methods

A system, comprising:

• a camera configured to capture a first aerial image that includes a view of a real estate property;
• and
• a property characteristic determination system comprising a processor configured to execute instructions that, when executed by the processor, cause the processor to:
• identify the real estate property included in the first aerial image;
• access a second aerial image from an aerial image database;
• format the first aerial image or the second aerial image to align one or more physical features captured by the first aerial image and the second aerial image, wherein formatting the first aerial image or the second aerial image comprises automatically filtering noise from the first aerial image or the second aerial image to facilitate alignment of the one or more physical features captured by the first aerial image and the second aerial image;
• determine one or more changes that have occurred to the real estate property based at least in part on a comparison of the first aerial image to the second aerial image;
• and
• automatically adjust an insurance policy term for an insurance policy relating to the real estate property based at least in part on the one or more changes that have occurred to the real estate property.

A method, comprising:

• accessing, via a property characteristic determination system, a first aerial image from an aerial image database, wherein the first aerial image includes a first view of a real estate property;
• receiving, via the property characteristic determination system, a second aerial image that includes a second view of the real estate property;
• identifying, via the property characteristic determination system, the real estate property included in the first and second aerial images;
• formatting, via the property characteristic determination system, the first aerial image or the second aerial image to align one or more physical features captured by the first and second aerial images, wherein formatting the first aerial image or the second aerial image comprises automatically filtering noise from the first aerial image or the second aerial image to facilitate alignment of the one or more physical features captured by the first aerial image and the second aerial image;
• determining, via the property characteristic determination system, one or more changes that have occurred to the real estate property based at least in part on a comparison of the first aerial image to the second aerial image;
• and
• automatically adjusting, via the property characteristic determination system, an insurance policy term for an insurance policy relating to the real estate property based at least in part on the one or more changes that have occurred to the real estate property.