US 11,657,459 B1
Systems and methods for predictively generating an insurance claim
Daryoush Hakimi-Boushehri, Bloomington, IL (US); Jackie O. Jordan, II, Bloomington, IL (US); Shawn M. Call, Bloomington, IL (US); John H. Weekes, Bloomington, IL (US); Ronny S. Bryant, Bloomington, IL (US); Jennifer Criswell Kellett, Lincoln, IL (US); Todd Binion, Bloomington, IL (US); Elisabeth McDermeit, Bloomington, IL (US); and John Donovan, Bloomington, IL (US)
Assigned to STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US)
Filed by STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US)
Filed on Jun. 22, 2020, as Appl. No. 16/908,512.
Application 16/908,512 is a continuation of application No. 14/692,953, filed on Apr. 22, 2015, granted, now 10,733,671.
Claims priority of provisional application 62/073,695, filed on Oct. 31, 2014.
Claims priority of provisional application 62/061,012, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,000, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,007, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,016, filed on Oct. 7, 2014.
Claims priority of provisional application 62/060,777, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,018, filed on Oct. 7, 2014.
Claims priority of provisional application 62/060,808, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,003, filed on Oct. 7, 2014.
Claims priority of provisional application 62/060,847, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,009, filed on Oct. 7, 2014.
Claims priority of provisional application 62/012,008, filed on Jun. 13, 2014.
Claims priority of provisional application 61/984,541, filed on Apr. 25, 2014.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01)
CPC G06Q 40/08 (2013.01) 20 Claims
OG exemplary drawing
 
1. A computer-implemented method of predicting insurance claim filings related to damage to a property that is populated with a plurality of devices, each of the plurality of devices configured to monitor various conditions associated with the property, the method comprising:
receiving, at a smart controller or a server and via a first wired or wireless communication network, a first set of sensor data from the plurality of devices;
based upon at least the first set of sensor data, detecting, by one or more processors of the smart controller or the server, that an insurance-related event is imminent;
determining, by the one or more processors, a likelihood that an insurance claim will be filed in response to the imminent insurance-related event;
when the likelihood is greater than a threshold, activating, by the one or more processors via the first wired or wireless communication network, the plurality of devices to transmit a second set of sensor data, wherein the second set of data includes supporting data captured while the insurance-related event is occurring;
analyzing, by the one or more processors, the second set of sensor data to determine a total amount of damage caused by the insurance-related event;
automatically generating, by the one or more processors, a proposed insurance claim for the total amount of damage caused by the insurance-related event; and
transmitting, to a mobile device or other communications device of an individual associated with the property via a second wired or wireless communication or data transmission network, the proposed insurance claim to facilitate review, approval, or modification of the proposed insurance claim by the individual.