Systems and methods for automating property assessment using probable roof loss confidence scores

A system for determining a predicted level of roof damage to a roof of a building, the system comprising:

• a smart home device disposed at the building configured to:
• monitor audio signals proximate the building;
• detect an occurrence of a hail event by detecting an audio signature within the audio signals, the audio signature including a set of audio characteristics forming a pattern indicative of an occurrence of hail events;
• responsive to detecting the occurrence of the hail event, collect at least one of video data, photograph data, or audio data of the hail event in real time;
• analyze the at least one of the video data, the photograph data, or the audio data of the hail event to estimate at least one hail characteristic of the hail event, the at least one hail characteristic including at least one of a direction of the hail event, a size of the hail event, a density of the hail event, elevations of structure exposed to the hail event, or a duration of the hail event;
• and
• transmit the at least one of the video data, the photograph data, or the audio data of the hail event and the at least one hail characteristic of the hail event to a confidence score computing device;
• and
• the confidence score computing device, including a processor and a memory having stored thereon:
• a building data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive building data from a building computing device, wherein the building data is representative of attributes of the building;
• a roof data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive roof data from a roof computing device;
• a weather data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive historical weather data from a weather computing device based on the building data;
• a hail data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive historical hail data from a hail computing device based on the building data, wherein the historical hail data includes the at least one of the video data, the photograph data, or the audio data of the hail event and the at least one hail characteristic of the hail event provided by the smart home device;
• a climate zone data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive climate zone data from a climate zone computing device based on the building data;
• a base-line probable roof loss confidence score data generation module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to generate base-line probable roof loss confidence score data for the building based on the building data, the roof data, the historical weather data, the historical hail data, and the climate zone data;
• a current roof condition determining module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to determine current roof condition data for the roof of the building based on at least one of the building or roof data;
• and
• a level of roof damage predicting module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to determine the predicted level of roof damage to the roof of the building in a future interval based upon the base-line probable roof loss confidence score and the current roof condition, including determining the predicted levels of roof damage to the roof of the building for each of one or more predicted future specific environmental events associated with corresponding predicted sets of characteristics of the predicted future specific environmental events.

A non-transitory computer-readable medium storing computer-readable instructions that, when executed by a processor, cause the processor to determine a predicted level of roof damage to a roof of a building by implementing:

• a building data receiving module that causes the processor to receive building data that is representative of attributes of the building;
• a roof data receiving module that causes the processor to receive roof data associated with the building based upon the building data;
• a weather data receiving module that causes the processor to receive historical weather data associated with the building based on the building data;
• a hail data receiving module that causes the processor to receive historical hail data associated with the building based on the building data, wherein the historical hail data includes at least one of video data, photograph data, or audio data of a hail event and at least one hail characteristic of the hail event provided by a smart home device disposed at the building, wherein the smart home device is configured to:
• monitor audio signals proximate the building;
• detect an occurrence of the hail event by detecting an audio signature within the audio signals, the audio signature including a set of audio characteristics forming a pattern indicative of an occurrence of hail events;
• responsive to detecting the occurrence of the hail event, collect the at least one of the video data, the photograph data, or the audio data of the hail event in real time;
• analyze the at least one of the video data, the photograph data, or the audio data of the hail event to estimate the at least one hail characteristic of the hail event, the at least one hail characteristic including at least one of a direction of the hail event, a size of the hail event, a density of the hail event, elevations of structure exposed to the hail event, or a duration of the hail event;
• and
• transmit the at least one of the video data, the photograph data, or the audio data of the hail event and the at least one hail characteristic of the hail event to the processor;
• a base-line probable roof loss confidence score data generation module that causes the processor to generate base-line probable roof loss confidence score data associated with the building based on the building data, the roof data, the historical weather data, and the historical hail data;
• a current roof condition determining module that causes the processor to determine current roof condition data associated with the roof of the building based on at least one of the building or roof data;
• and
• a level of roof damage predicting module that causes the processor to determine the predicted level of roof damage to the roof of the building in a future interval based upon the base-line probable roof loss confidence score and the current roof condition, including determining the predicted levels of roof damage to the roof of the building for each of one or more predicted future specific environmental events associated with corresponding predicted sets of characteristics of the predicted future specific environmental events.