Apparatuses, systems and methods for mitigating property loss based on an event driven probable roof loss confidence score

A method for performing an insurance property loss mitigation process based on an event driven probable roof loss confidence score based on a particular weather event, wherein the event driven probable roof loss confidence score is associated with a roof of a building, the method comprising:

• receiving, by one or more processors, a base-line probable roof loss confidence score for the building, wherein the base-line probable roof loss confidence score is at least partially based on historical weather data representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building;
• receiving, by the one or more processors, weather data, wherein the weather data is representative of storm attributes associated with a storm, associated with the particular weather event, that occurred in the geographic area;
• receiving, by the one or more processors, hail data including audio data and roof data of the building collected by a smart home device in real-time;
• estimating, by the one or more processors at least one attribute of hail based on the audio data;
• generating, by the one or more processors, the event driven probable roof loss confidence score based on the base-line probable roof loss confidence score, the weather data, roof data, and the at least one attribute of the hail, by implementing a probability function, wherein a first 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, and wherein the first weighting variable is dynamically determined based on at least one of the weather data or the at least one estimated attribute of the hail;
• and
• determining, by the one or more processors, a level of damage to the roof of a building based on the event driven probable roof loss confidence score.

A computer-readable medium storing instructions for performing an insurance property loss mitigation process based on an event driven probable roof loss confidence score based on a particular weather event, wherein the event driven probable roof loss confidence score is associated with a roof of a building, and wherein the instructions, when executed by one or more processors, cause the one or more processors to:

• receive a base-line probable roof loss confidence score for the building, wherein the base-line probable roof loss confidence score is at least partially based on historical weather data representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building;
• receive weather data, wherein the weather data is representative of storm attributes associated with a storm, associated with the particular weather event, that occurred in the geographic area;
• receive hail data including audio data and roof data of the building collected by a smart home device in real-time;
• estimate at least one attribute of the hail based on the audio data;
• generate the event driven probable roof loss confidence score based on the base-line probable roof loss confidence score, the weather data, roof data, and the at least one attribute of the hail, by implementing a probability function, wherein a first 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, and wherein the first weighting variable is dynamically determined based on at least one of the weather data or the at least one estimated attribute of the hail;
• and
• determine a level of damage to the roof of a building based on the event driven probable roof loss confidence score.