System and Method for Virtual Inspection of a Structure
AssigneeState Farm Mutual Automobile Insurance Company
InventorsMatthew Cuttell, Timothy Kiper
Life of this patent
Estimating the term…
Abstract
A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.
Claims18
A computer implemented method for linking an underwriting action to a customer account, the method comprising:
- receiving, via a computer network, an inspection model, wherein the inspection model corresponds to a geographic location associated with a structure;
- determining, at one or more processors, that a virtual inspection is necessary based on the inspection model;
- retrieving, via the computer network, a first aerial image, wherein the first aerial image corresponds to the geographic location;
- retrieving, via the computer network, a second aerial image, wherein the second aerial image corresponds to the geographic location;
- receiving a comparison data value corresponding to the first and second aerial image;
- and
- determining, at the one or more processors, an underwriting action based on the comparison data value;
- and
- linking, at the one or more processors, the underwriting action to an customer account.
A computer device for determining an insurance premium, the computer device comprising;
- one or more processors;
- and
- one or more memories coupled to the one or more processors;
- wherein the one or more memories include computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to:
- receive, via a computer network, an inspection model, wherein the inspection model corresponds to a geographic location associated with a structure;
- determine that a virtual inspection is necessary based on the inspection model;
- retrieve, via the computer network, a first aerial image, wherein the first aerial image corresponds to the geographic location;
- retrieve, via the computer network, a second aerial image, wherein the second aerial image corresponds to the geographic location;
- receive a comparison data value corresponding to the first and second aerial image;
- and
- determine an underwriting action based on the comparison data value;
- and
- link the underwriting action to a customer account.
A non-transitory computer readable storage medium comprising non-transitory computer readable instructions stored thereon determining an insurance premium, the instructions when executed on one or more processors cause the one or more processors to:
- receive, via a computer network, an inspection model, wherein the inspection model corresponds to a geographic location associated with a structure;
- determine that a virtual inspection is necessary based on the inspection model;
- retrieve, via the computer network, a first aerial image, wherein the first aerial image corresponds to the geographic location;
- retrieve, via the computer network, a second aerial image, wherein the second aerial image corresponds to the geographic location;
- receive a comparison data value corresponding to the first and second aerial image;
- and
- determine an underwriting action based on the comparison data value;
- and
- link the underwriting action to a customer account.
Dependencies are inferred from the claim text.