US 11,756,132 B1
Intelligent methods of inspection for property and casualty insurance claims
Cleburne Burgess, Fair Oaks Ranch, TX (US); John H. Amstutz, San Antonio, TX (US); Shanna Limas, San Antonio, TX (US); and Ramon M. Lopez, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Jun. 24, 2021, as Appl. No. 17/357,548.
Application 17/357,548 is a continuation of application No. 16/459,456, filed on Jul. 1, 2019, granted, now 11,074,658.
Application 16/459,456 is a continuation of application No. 13/791,132, filed on Mar. 8, 2013, granted, now 10,387,961, issued on Aug. 20, 2019.
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 method comprising:
receiving, via a weather data acquisition module, weather data relating to a weather event potentially causing property losses to customers of an insurer;
in response to receiving the weather data:
identifying, by a processor associated with a computer system, a bounded geographical area affected by the weather event, the weather event having a weather event intensity profile;
generating, by the processor associated with the computer system, a customer density profile in the bounded geographical area, wherein the customer density profile is indicative of locations of one or more insured properties in the bounded geographical area;
collecting sensor data from one or more sensors located in the bounded geographical area;
assigning a severity code indicating an estimated level of severity of the property losses based on the collected sensor data, the weather event intensity profile, and the customer density profile, wherein the sensor data is indicative of a propensity of the weather event;
predicting resource utilization at least based on the severity code;
generating, based on the predicted resource utilization, one or more loss reports of selected one or more insured properties for selected customers prior to receiving customer-generated loss reports from the selected customers; and
facilitating the resource utilization based on the one or more loss reports.