# US 12,183,073 B2 · Real property monitoring systems and methods > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,183,073 B2 - Document ID: US12183073B2 - Status: Granted - Kind: B2 - Application number: 18/067,233 - Filed: 2022-12-16 - Published: 2023-04-20 - Granted: 2024-12-31 - Earliest claimed: 2020-03-31 - Assignees: United Services Automobile Association (USAA) - Applicants: United Services Automobile Association (USAA) - Inventors: Theresa Marie Matowitz; Michael Kyne; Michael Hertz; Ramsey Devereaux; Amber K. Buehrie; Steven Robert Seigler - Web page: https://patentgrep.com/patent/US12183073B2 ## CPC - G06V 20/176: {Urban or other man-made structures} - G06Q 40/08: Insurance - G06T 7/254: involving subtraction of images - G06T 7/33: using feature-based methods - G06V 10/751: {Comparing pixel values or logical combinations thereof, or feature values having positional relevance, e.g. template matching} - G06V 20/17: taken from planes or by drones - H04N 23/90: Arrangement of cameras or camera modules, e.g. multiple cameras in TV studios or sports stadiums - G06T 2207/10032: Satellite or aerial image; Remote sensing - G06T 2207/30184: Infrastructure - H04N 7/185: {from a mobile camera, e.g. for remote control} - G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING - 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 - G06T: IMAGE DATA PROCESSING OR GENERATION, IN GENERAL - H04N: PICTORIAL COMMUNICATION, e.g. TELEVISION ## Abstract Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth. ## Claims ### Claim 1 A method, comprising: receiving, via a property characteristic determination system, a first aerial image that includes a view of a real estate property; identifying, via the property characteristic determination system, the real estate property included in the first aerial image; accessing, via the property characteristic determination system, a second aerial image from an aerial image database; 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 aerial image and the second aerial image; receiving, via the property characteristic determination system, data relating to resource usage information for the real estate property detected by one or more smart home devices associated with the real estate property, wherein the resource usage information for the real estate property comprises water usage, electricity usage, changes in temperature, or some combination thereof, occurring at certain locations relative to the real estate property; and 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 based at least in part on a correlation of the first and second aerial images to the data relating to the resource usage information for the real estate property detected by the one or more smart home devices associated with the real estate property. ### Claim 2 (depends on 1) The method of claim 1, comprising 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. ### Claim 3 (depends on 1) The method of claim 1, comprising automatically sending, via the property characteristic determination system, a notification of the one or more changes that have occurred to the real estate property to an application being executed on a user computing device associated with an owner of the real estate property. ### Claim 4 (depends on 1) The method of claim 1, comprising: accessing, via the property characteristic determination system, data relating to one or more public records relating to the real estate property; and determining, via the property characteristic determination system, the one or more changes that have occurred to the real estate property based at least in part on the data relating to the one or more public records relating to the real estate property. ### Claim 5 (depends on 1) The method of claim 1, comprising: accessing, via the property characteristic determination system, a supplemental image from a camera located in or around the real estate property; and determining, via the property characteristic determination system, the one or more changes that have occurred to the real estate property based at least in part on the supplemental image. ### Claim 6 (depends on 1) The method of claim 1, comprising: determining, via the property characteristic determination system, a recommendation relating to the real estate property based at least in part on the first aerial image or the second aerial image and based at least in part on the data relating to the resource usage information for the real estate property detected by the one or more smart home devices associated with the real estate property; and communicating, via the property characteristic determination system, the recommendation to an owner of the real estate property via provision of instructions to an application being executed on an owner device associated with the owner. ### Claim 7 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; receive data relating to resource usage information for the real estate property detected by one or more smart home devices associated with the real estate property, wherein the resource usage information for the real estate property comprises water usage, electricity usage, changes in temperature, or some combination thereof, occurring at certain locations relative to the real estate property; and 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 based at least in part on a correlation of the first and second aerial images to the data relating to the resource usage information for the real estate property detected by the one or more smart home devices associated with the real estate property. ### Claim 8 (depends on 7) The system of claim 7, wherein the instructions, when executed by the processor, cause the processor to 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. ### Claim 9 (depends on 7) The system of claim 7, wherein the instructions, when executed by the processor, cause the processor to automatically send a notification of the one or more changes that have occurred to the real estate property to an application being executed on a user computing device associated with an owner of the real estate property. ### Claim 10 (depends on 7) The system of claim 7, wherein the instructions, when executed by the processor, cause the processor to: access data relating to one or more public records relating to the real estate property; and determine the one or more changes that have occurred to the real estate property based at least in part on the data relating to the one or more public records relating to the real estate property. ### Claim 11 (depends on 7) The system of claim 7, wherein the instructions, when executed by the processor, cause the processor to: access a supplemental image from an additional camera located in or around the real estate property; and determine the one or more changes that have occurred to the real estate property based at least in part on the supplemental image. ### Claim 12 (depends on 7) The system of claim 7, wherein the instructions, when executed by the processor, cause the processor to: determine a recommendation relating to the real estate property based at least in part on the first aerial image or the second aerial image and based at least in part on the data relating to the resource usage information for the real estate property detected by the one or more smart home devices associated with the real estate property; and communicate the recommendation to an owner of the real estate property via provision of instructions to an application being executed on an owner device associated with the owner. ### Claim 13 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; receiving, via the property characteristic determination system, data relating to resource usage information for the real estate property detected by one or more smart home devices associated with the real estate property, wherein the resource usage information for the real estate property comprises water usage, electricity usage, changes in temperature, or some combination thereof, occurring at certain locations relative to the real estate property; 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 based at least in part on a correlation of the first and second aerial images to the data relating to the resource usage information for the real estate property detected by the one or more smart home devices associated with the real estate property; 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. ### Claim 14 (depends on 13) The method of claim 13, comprising automatically sending, via the property characteristic determination system, a notification of the one or more changes that have occurred to the real estate property to an application being executed on a user computing device associated with an owner of the real estate property. ### Claim 15 (depends on 13) The method of claim 13, comprising: accessing, via the property characteristic determination system, data relating to one or more public records relating to the real estate property; and determining, via the property characteristic determination system, the one or more changes that have occurred to the real estate property based at least in part on the data relating to the one or more public records relating to the real estate property. ### Claim 16 (depends on 13) The method of claim 13, comprising: accessing, via the property characteristic determination system, a supplemental image from a camera located in or around the real estate property; and determining, via the property characteristic determination system, the one or more changes that have occurred to the real estate property based at least in part on the supplemental image. ### Claim 17 (depends on 13) The method of claim 13, comprising: determining, via the property characteristic determination system, a recommendation relating to the real estate property based at least in part on the second aerial image and based at least in part on the data relating to the resource usage information for the real estate property detected by the one or more smart home devices associated with the real estate property; and communicating, via the property characteristic determination system, the recommendation to an owner of the real estate property via provision of instructions to an application being executed on an owner device associated with the owner.