System and method for assessing a condition of an insured property and initiating an insurance claim process
AssigneeHartford Fire Insurance Company
InventorPatrick D. Brown
Life of this patent
Estimating the term…
Abstract
A system and method for assessing a condition of property for insurance purposes includes a sensor for acquiring a spectral image. In a preferred embodiment, the spectral image is post-processed to generate at least one spectral radiance plot, the plot used as input to a radiative transfer computer model. The output of the model establishes a spectral signature for the property. Over a period of time, spectral signatures can be compared to generate a spectral difference, the difference attributed to a change in the condition of the property, such as a fire or flood. In response to the change, an insurance company initiates an insurance-related action such as processing a claim.
Claims20
A computer-implemented method for assessing a condition of a property for insurance purposes, the method comprising the steps of:
- acquiring a spectral image of radiation emitted into an atmospheric layer at the property at a first timestamp;
- acquiring a subsequent spectral image of emitted radiation emitted into the atmospheric layer at the property at a second timestamp later than the first timestamp;
- generating a spectral signature indicating a concentration of a molecular constituent from the spectral image;
- generating a subsequent spectral signature indicating a subsequent concentration of the molecular constituent from the subsequent spectral image;
- comparing the spectral signature to the subsequent spectral signature to determine a concentration difference of the molecular constituent corresponding to a change in the condition of the property;
- determining if the concentration difference exceeds a predetermined threshold value associated with the molecular constituent;
- and
- initiating an insurance process for a particular type of loss associated with the change in condition producing the concentration difference exceeding the predetermined threshold value.
A computer-implemented method for assessing a condition of a property for insurance purposes, the method comprising the steps of:
- generating a spectral signature indicating the concentration of at least one molecular constituent in an atmosphere layer at the property;
- determining whether the concentration of the at least one molecular constituent exceeds a threshold value;
- and
- initiating an insurance claim process for the property in response to a determination that the concentration of the at least one molecular constituent exceeds the threshold value, or initiating underwriting of an insurance policy for the property in response to a determination that the concentration of the at least one molecular constituent does not exceed the predetermined threshold value.
A system for assessing a condition of an insured property comprising:
- a data storage device configured to store a first spectral image of radiation emitted into an atmospheric layer at the insured property at a first timestamp, a second spectral image of radiation emitted into the atmospheric layer at the insured property at a second timestamp later than the first timestamp, and one or more threshold values corresponding to one or more molecular constituents and one or more types of insured loss;
- a server adapted to:
- determine a first spectral signature indicating a concentration of a molecular constituent from the first spectral image;
- determine a second spectral signature indicating a subsequent concentration of the molecular constituent from the second spectral image;
- determine a concentration difference of the molecular constituent by comparing the first spectral signature to the second spectral signature;
- determine if the concentration difference exceeds a predetermined threshold value for the molecular constituent;
- and
- initiate an insurance claim process for the insured property in response to a determination that the concentration difference exceeds the predetermined threshold value.
Dependencies are inferred from the claim text.