System and methods for community-based cause of loss determination

A system for determining a cause of damage to a first property in a community of properties, each property in the community of properties populated with a plurality of devices on the property, each of the plurality of devices configured to monitor various conditions associated with the corresponding property, the system being disposed on the first property, the system comprising:

• one or more transceivers adapted to communicate data;
• a memory adapted to store non-transitory computer executable instructions;
• and
• one or more processors adapted to interface with the one or more transceivers, wherein the one or more processors are configured to execute the non-transitory computer executable instructions to cause the one or more processors to:
• automatically generate, by one or more processors, a first time-sequence of events associated with the first property for an insurance-related event based upon data recorded by sensors of the plurality of devices disposed on the first property before, during, and after the insurance-related event;
• receive, via the one or more transceivers, a second time-sequence of events associated with a second property in the community of properties for the insurance-related event;
• compare, by the one or more processors, the first time-sequence of events to the second time-sequence of events;
• based upon the comparison, determine, by the one or more processors, a first cause of loss and a second cause of loss for the first property associated with the insurance-related event;
• analyze, by the one or more processors, the data recorded by the plurality of devices to estimate an overall amount of damage caused by the insurance-related event;
• assign, by the one or more processors, (i) a first portion of the overall amount of damage to the first cause of loss and (ii) a second portion of the overall amount of damage to the second cause of loss;
• and
• automatically generate, by the one or more processors, a proposed insurance claim according to the assigning.

A non-transitory computer-readable storage medium storing processor-executable instructions, that when executed cause one or more processors to:

• automatically generate, by one or more processors of a smart home controller disposed on a first property, a first time-sequence of events associated with the first property for an insurance-related event based upon data recorded by sensors of the plurality of devices disposed on the first property before, during, and after the insurance-related event, the plurality of devices configured to monitor respective conditions associated with the first property;
• receive, at the smart home controller, a second time-sequence of events associated with a second property in the community of properties for the insurance-related event;
• compare, by the one or more processors, the first time-sequence of events to the second time-sequence of events;
• based upon the comparison, determine, by the one or more processors, a first cause of loss and a second cause of loss for the first property associated with the insurance-related event;
• analyze, by the one or more processors, the data recorded by the plurality of devices to estimate an overall amount of damage caused by the insurance-related event;
• assign, by the one or more processors, (i) a first portion of the overall amount of damage to the first cause of loss and (ii) a second portion of the overall amount of damage to the second cause of loss;
• and
• automatically generate, by the one or more processors, a proposed insurance claim according to the assigning.