# US 2022/0044331 A1 · Flood protection agreed value payout and linear pay website & mobile application

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- Number: US 2022/0044331 A1
- Document ID: US20220044331A1
- Status: Published application
- Kind: A1
- Application number: 17/509,132
- Filed: 2021-10-25
- Published: 2022-02-10
- Earliest claimed: 2013-12-19
- Inventors: Rawle Oliver King; Oliver Robert Meissner
- Web page: https://patentgrep.com/patent/US20220044331A1

## CPC

- G06Q 40/08: Insurance
- Y02A 10/40: Controlling or monitoring, e.g. of flood or hurricane; Forecasting, e.g. risk assessment or mapping
- 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
- Y02A: TECHNOLOGIES FOR ADAPTATION TO CLIMATE CHANGE

## Abstract

A method includes displaying a user interface on a screen of a computing device of a homeowner, and receiving an input of an address for a property of the homeowner. The method also includes receiving global positioning system (GPS) data from the computing device, and verifying the address for the property based on the GPS data. The method also includes calculating probabilities for the property to have a flood event at hypothetical high water heights based on GPS located and mapped floodplain data relating to the property, flood zone map data relating to the property, and historical flood data for a region in which the property is located. The method also includes calculating fixed-value payout amounts based on an estimated elevation of the property, the probabilities for the property to have the flood event at the hypothetical high water heights, and estimated flood water depths in the property.

## Claims

### Claim 1

A method, comprising:
displaying a user interface on a screen of a computing device of a homeowner;
receiving, through the user interface, an input of an address for a property of the homeowner;
receiving, by a processor, global positioning system (GPS) data from the computing device of the homeowner;
verifying, by the processor, the address for the property based on the GPS data;
calculating, by the processor, for the property at the address, a plurality of probabilities for the property to have a flood event at a plurality of hypothetical high water heights based on GPS located and mapped floodplain data relating to the property, flood zone map data relating to the property, and historical flood data for a region in which the property is located;
calculating, by the processor, a plurality of fixed-value payout amounts based on an estimated elevation of the property, the plurality of probabilities for the property to have the flood event at the plurality of hypothetical high water heights, and estimated flood water depths in the property;
transmitting, through a network to the computing device of the homeowner, the plurality of fixed-value payout amounts, the plurality of probabilities for the property to have the flood event, and the estimated flood water depths in the property;
displaying, through the user interface, a proposed relationship between the plurality of fixed-value payout amounts for the property that the homeowner will receive if the flood event occurs, the plurality of probabilities for the property to have the flood event, and the estimated flood water depths in the property; and
receiving, by the processor from the computing device, an input from the homeowner to accept the proposed relationship.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
receiving, through the user interface, a log-in input from the homeowner, after the flood event occurs;
receiving, through the user interface, an input of an actual flood water depth in the property of the homeowner;
determining a fixed-value payout amount from the plurality of fixed-value payout amounts for the property of the homeowner based on the actual flood water depth in the property; and
displaying, through the user interface, the determined fixed-value payout amount to the homeowner.

### Claim 3 (depends on 2)

The method of claim 2, further comprising:
receiving a confirmation input indicating acceptance by the homeowner of the determined fixed-value payout amount; and
facilitating payment to the homeowner the determined fixed-value payout amount.

### Claim 4 (depends on 1)

The method of claim 1, further comprising:
receiving, through the user interface, a log-in input from the homeowner, after the flood event occurs;
determining a fixed-value payout amount from the plurality of fixed-value payout amounts for the property of the homeowner based on an estimated flood water depth in the property; and
presenting, through the user interface, the determined fixed-value payout amount to the homeowner.

### Claim 5 (depends on 4)

The method of claim 4, further comprising:
receiving a confirmation input indicating acceptance by the homeowner of the determined fixed-value payout amount; and
facilitating payment to the homeowner the determined fixed-value payout amount.

### Claim 6 (depends on 1)

The method of claim 1, wherein the user interface is a user interface of a website or a user interface of a mobile application.

### Claim 7 (depends on 1)

The method of claim 1, further comprising collecting and storing probability data relating to address specific GPS-located flood depth with respect to structure elevation, and individual building elevation data.

### Claim 8 (depends on 1)

The method of claim 1, further comprising:
displaying, in the user interface, a graphic representation of a plurality of address-specific properties near a body of water; and
receiving, through the user interface, an input indicating a selection of a specific address for a property; and
displaying, in the user interface, flood event related data.

### Claim 9

A system, comprising:
a computer server;
a network,
wherein the computer server is connected to a computing device of a homeowner through the network, and configured to:
display a user interface on a screen of the computing device of the homeowner;
receive, through the user interface, an input of an address for a property of the homeowner;
receive, by the computer server, global positioning system (GPS) data from the computing device of the homeowner;
verify, by the computer server, the address for the property based on the GPS data;
calculate, by the computer server, for the property at the address, a plurality of probabilities for the property to have a flood event at a plurality of hypothetical high water heights based on GPS located and mapped floodplain data relating to the property, flood zone map data relating to the property, and historical flood data for a region in which the property is located;
calculate, by the computer server, a plurality of fixed-value payout amounts based on an estimated elevation of the property, the plurality of probabilities for the property to have the flood event at the plurality of hypothetical high water heights, and estimated flood water depths in the property;
transmit, through the network to the computing device of the homeowner, the plurality of fixed-value payout amounts, the plurality of probabilities for the property to have the flood event, and the estimated flood water depths in the property;
display, through the user interface, a proposed relationship between the plurality of fixed-value payout amounts for the property that the homeowner will receive if the flood event occurs, the plurality of probabilities for the property to have the flood event, and the estimated flood water depths in the property; and
receive, by the computer server from the computing device, an input from the homeowner to accept the proposed relationship.

### Claim 10 (depends on 9)

The system of claim 9, wherein the computer server is also configured to:
receive, through the user interface, a log-in input from the homeowner, after the flood event occurs;
receive, through the user interface, an input of an actual flood water depth in the property of the homeowner;
determine a fixed-value payout amount from the plurality of fixed-value payout amounts for the property of the homeowner based on the actual flood water depth in the property; and
present, through the user interface, the determined fixed-value payout amount to the homeowner.

### Claim 11 (depends on 10)

The system of claim 10, wherein the computer server is also configured to:
receive, through the user interface, a confirmation input indicating acceptance by the homeowner of the determined fixed-value payout amount; and
facilitate payment to the homeowner the determined fixed-value payout amount.

### Claim 12 (depends on 9)

The system of claim 9, wherein the computer server is also configured to:
receive, through the user interface, a log-in input from the homeowner, after the flood event occurs;
determine a fixed-value payout amount from the plurality of fixed-value payout amounts for the property of the homeowner based on an estimated flood water depth in the property; and
display, through the user interface, the determined fixed-value payout amount to the homeowner.

### Claim 13 (depends on 12)

The system of claim 12, wherein the computer server is also configured to:
receive, through the user interface, a confirmation input indicating acceptance by the homeowner of the determined fixed-value payout amount; and
facilitate payment to the homeowner the determined fixed-value payout amount.

### Claim 14 (depends on 9)

The system of claim 9, wherein the user interface is a user interface of a website or a user interface of a mobile application.

### Claim 15 (depends on 9)

The system of claim 9, wherein the computer server is also configured to:
collect and store probability data relating to address specific GPS-located flood depth with respect to structure elevation, and individual building elevation data.

### Claim 16 (depends on 9)

The system of claim 9, wherein the computer server is also configured to:
display, in the user interface, a graphic representation of a plurality of address-specific properties near a body of water; and
receive, through the user interface, an input indicating a selection of a specific address for a property; and
display, in the user interface, flood event related data.

### Claim 17

A method, comprising:
displaying a user interface on a screen of a wearable computing device;
displaying, in the user interface, a plurality of representations of a plurality of buildings;
receiving, through the user interface, an eye-based selection input selecting a representation of a building from the plurality of representations;
determining, using the wearable computing device, a location of the building represented by the selected representation, based on map data and Global Positioning System (GPS) data relating to the building;
calculating, using the wearable computing device, flood related metrics relating to the building, the flood related metrics comprising a structure elevation of the building compared to base flood elevations, and a hypothetical estimated flood water depth in the building; and
displaying, in the user interface, an image representing the building along with the calculated flood related metrics.

### Claim 18 (depends on 17)

The method of claim 17, further comprising:
calculating, by the wearable computing device, a probability for the building to have a flood even at the hypothetical high water height based on the GPS data and mapped floodplain data relating to the building, flood zone map data relating to the building, and historical flood data for a region in which the building is located; and
calculating, by the wearable computing device, a fixed-value payout amount that a homeowner will receive if the flood event occurs, based on the structure elevation of the building, the hypothetical estimated flood water depth in the building, and the probability for the building to have the flood event at the hypothetical estimated flood water depth in the building.

### Claim 19 (depends on 18)

The method of claim 18, further comprising:
displaying, in the user interface of the wearable computing device, the fixed-value payout amount that the homeowner will receive.

### Claim 20 (depends on 19)

The method of claim 19, further comprising:
receiving, through the user interface, an eye-based input indicating an agreement by the homeowner to the fixed-value payout amount.