Insurance method that accounts for the absence of the insured party
OwnerAlan A. Candosinventor
Life of this patent
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Abstract
A homeowner's insurance method in which the insured identifies a neighbor who is empowered to file insurance claims on behalf of the homeowner when the homeowner is absent from the property. The neighbor is given a key to the insured property, inspects the property for damage, and files insurance claims for repair of damage. The neighbor works with the insurance company to carry out the repairs, and receives mailings from the insurance company as a potential customer of insurance.
Claims20
A homeowner's insurance method which accounts for the absence of the homeowner from the insured home, comprising:
- establishing an insurance policy between the insurance company and the homeowner for insuring a home;
- establishing an agreement between an insurance company and a homeowner, including:
- (1) identifying at least one neighbor of the home owner;
- (2) acknowledging that said neighbor is authorized to act for the insured party;
- providing a key to said neighbor for means of access to said home;
- notifying said insurance company of the occurrence of an insured event;
- submitting by said neighbor a claim under said insurance policy;
- and
- making a performance on said claim by said insurance company under said insurance policy.
An insurance method which accounts for the absence of a property owner from the insured property, comprising:
- establishing an insurance policy between an insurance company and a property owner;
- establishing an agreement between the insurance company and the property owner, including:
- (1) identifying at least one neighbor of the property owner;
- (2) acknowledging that said neighbor is authorized to act for the insured party;
- providing a key to said neighbor for means of access to said property;
- notifying said insurance company of the occurrence of an insured event;
- submitting by said neighbor a claim under said insurance policy;
- and
- making a performance on said claim by said insurance company under said insurance policy.
A method of selling insurance by using an insurance method which accounts for the absence of the homeowner from the insured home, comprising:
- establishing an insurance policy between an insurance company and a homeowner for insuring a home;
- establishing an agreement between the insurance company and the homeowner, including:
- (1) identifying at least one neighbor of the home owner for notifying said insurance company of the occurrence of an insured event;
- (2) communicating with said neighbor in connection with said policy, said communicating also providing information for selling insurance to said neighbor;
- and
- providing a key to said neighbor for means of access to said home.
Dependencies are inferred from the claim text.