# US 12,182,873 B2 · Systems and methods for automating property assessment using probable roof loss confidence scores > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,873 B2 - Document ID: US12182873B2 - Status: Granted - Kind: B2 - Application number: 17/356,764 - Filed: 2021-06-24 - Published: 2022-12-29 - Granted: 2024-12-31 - Earliest claimed: 2021-06-24 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Joshua M. Mast; Douglas L. Dewey; Todd Binion; Jeffrey Feid - Web page: https://patentgrep.com/patent/US12182873B2 ## CPC - G06Q 40/08: Insurance - G06N 7/01: Probabilistic graphical models, e.g. probabilistic networks - G06N 20/00: Machine learning - G06Q 30/0278: {Product appraisal} - G06Q 50/16: Real estate - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS ## Abstract Systems and methods are provided for automating property assessment using probable roof loss confidence scores. More particularly, the systems and methods may generate a base-line probable roof loss confidence score based upon buildings, roof, weather, hail, and climate data. The systems and methods may predict a specific event and a set of characteristics of the specific event. The systems and methods may predict a level of roof damage and a cost of roof damage based upon the predicted level of roof damage. The systems and methods may adjust a risk-related factor, and may further adjust policy parameters based upon the risk-related factor. A probable roof loss confidence score may be generated, as well as property insurance claims data or property insurance loss mitigation data based upon probable roof loss confidence score data. ## Claims ### Claim 1 A computer-implemented method for determining a predicted level of roof damage to a roof of a building, comprising: obtaining, by executing a building data receiving module on a processor, building data representative of attributes of the building; obtaining, by executing a roof data receiving module on the processor, roof data associated with the building based upon the building data; obtaining, by executing a weather data receiving module on the processor, historical weather data associated with the building based upon the building data; obtaining, by executing a hail data receiving module on the processor, historical hail data associated with the building based upon 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; obtaining, by executing a climate region data receiving module on the processor, climate region data associated with the building based upon the building data; generating, by executing a base-line probable roof loss confidence score data generation module on the processor, base-line probable roof loss confidence score data based upon the building data, the roof data, the historical weather data, the historical hail data, and the climate region data; determining, by executing a current roof condition determining module on the processor, a current roof condition of the roof of the building based upon at least one of the building or roof data; and determining, by executing a level of roof damage predicting module on the processor, 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. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the current roof condition includes a remaining roof lifespan. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein determining the predicted level of roof damage comprises determining a predicted cost of roof damage to the roof of the building, and determining the predicted cost of roof damage is further based upon the attributes of the building. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, further comprising adjusting a risk-related factor associated with an insurance policy relating to the roof based upon the predicted level of roof damage to the roof of the building. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein determining the predicted level of roof damage comprises implementing a probability function to determine the predicted level of roof damage to the roof of the building, wherein a contribution of a first term of the probability function is weighted via a first weighting variable relative to a second term of the probability function. ### Claim 6 (depends on 5) The computer-implemented method of claim 5, wherein the first and second terms of the probability function are each based upon at least one of the building data, the roof data, the weather data, the hail data, or the climate region data. ### Claim 7 (depends on 1) The computer-implemented method of claim 1, further comprising adjusting, by the processor, one or more parameters of an insurance policy for insuring the roof or the building based upon the predicted level of roof damage. ### Claim 8 (depends on 1) The computer-implemented method of claim 1, wherein the attributes of the building include at least one of: a geographic location of the building, a building orientation relative to geographic cardinal directions, height of the building, number of stories of the building, tree cover over or around the building, location and height of structures surrounding the building, or elevation of terrain surrounding the building. ### Claim 9 (depends on 1) The computer-implemented method of claim 1, wherein the hail data is representative of attributes of historical hail that has impacted a geographic area that includes a geographic location of the building, and wherein the attributes of the hail include at least one of: a physical characteristic of the hail, a size of the hail, a shape of the hail, a density of the hail, a hardness of the hail, a range of hail sizes produced by a storm, or a resistance to flexing of the hail. ### Claim 10 (depends on 1) The computer-implemented method of claim 1, wherein the climate region data is representative of at least one of: a climate associated with a geographic location of the building; a humidity associated with a geographic location of the building, a temperature associated with a geographic location of the building, a moisture associated with a geographic location of the building, or whether a geographic location of the building is associated with a marine climate. ### Claim 11 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. ### Claim 12 (depends on 11) The system of claim 11, further comprising a cost of roof damage predicting module stored on the memory of the confidence score computing device 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 cost of roof damage to the roof of the building based upon the predicted level of roof damage to the roof of the building. ### Claim 13 (depends on 11) The system of claim 11, further comprising a policy parameter adjusting module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to adjust policy parameters of an insurance policy associated with the roof of the building based upon the predicted level of roof damage. ### Claim 14 (depends on 11) The system of claim 11, wherein the level of roof damage predicting module implements a probability function to determine the predicted level of roof damage to the roof of the building, wherein a contribution of a first term of the probability function is weighted via a first weighting variable relative to a second term of the probability function. ### Claim 15 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. ### Claim 16 (depends on 15) The non-transitory computer-readable medium of claim 15, further comprising instructions that cause the processor to implement: a cost of roof damage predicting module that causes the processor to determine a predicted cost of roof damage to the roof of the building based upon the predicted level of roof damage to the roof of the building; and a policy parameter adjusting module that causes the processor to adjust policy parameters based on the base-line probable roof loss confidence score data, the current roof condition data, and the predicted level of roof damage. ### Claim 17 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the level of roof damage predicting module causes the processor to implement a probability function to determine the predicted level of roof damage to the roof of the building, wherein a contribution of a first term of the probability function is weighted via a first weighting variable relative to a second term of the probability function. ### Claim 18 (depends on 1) The computer-implemented method of claim 1, wherein the current roof condition of the roof of the building indicates a current level of damage to the roof based upon a damage and repair history of the roof. ### Claim 19 (depends on 11) The system of claim 11, wherein the current roof condition of the roof of the building indicates a current level of damage to the roof based upon a damage and repair history of the roof. ### Claim 20 (depends on 15) The non-transitory computer-readable medium of claim 15, wherein the current roof condition of the roof of the building indicates a current level of damage to the roof based upon a damage and repair history of the roof.