Catastrophe resource system

An apparatus comprising:

• one or more processors;
• and
• a memory storing computer-readable instructions that, when executed by the one or more processors, cause the apparatus to:
• receive, from each mobile device of a plurality of mobile devices, a respective barometric data and associated location data by one or more sensors of each mobile device;
• detect, based on analyzing the received respective barometric data and associated location data, a catastrophic event affecting a geographic region;
• determine that a user mobile device of a user is among the plurality of mobile devices, and that the location data of the user mobile device at a time of the catastrophic event corresponds to the location of an insured property associated with the user;
• estimate, based on the respective barometric data received from the user mobile device, a degree of property damage caused by the catastrophic event to the insured property;
• determine an insurance coverage amount associated with the insured property and a likelihood that an insurance claim related to the catastrophic event will be submitted for the insured property;
• determine, based on the estimated degree of property damage, the insurance coverage amount, and the likelihood that the insurance claim will be submitted, a partial settlement amount to provide to the user;
• and
• prior to the insurance claim being submitted, provide the partial settlement amount to the user.

A method comprising:

• receiving, by a computing device and from each mobile device of a plurality of mobile devices, a respective barometric data and associated location data by one or more sensors of each mobile device;
• detecting, based on analyzing the received respective barometric data and associated location data, a catastrophic event affecting a geographic region;
• determining that a user mobile device of a user is among the plurality of mobile devices, and that the location data of the user mobile device at a time of the catastrophic event corresponds to the location of an insured property associated with the user;
• estimating, based on the respective barometric data received from the user mobile device, a degree of property damage caused by the catastrophic event to the insured property;
• determining an insurance coverage amount associated with the insured property and a likelihood that an insurance claim related to the catastrophic event will be submitted for the insured property;
• determining, based on the estimated degree of property damage, the insurance coverage amount, and the likelihood that the insurance claim will be submitted, a partial settlement amount to provide to the user;
• and
• prior to the insurance claim being submitted, providing the partial settlement amount to the user.