US 12,190,392 B2
Systems and methods for assigning damage caused by an insurance-related event
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, Phoenix, AZ (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 Oct. 13, 2023, as Appl. No. 18/379,741.
Application 18/379,741 is a continuation of application No. 17/734,814, filed on May 2, 2022, granted, now 11,823,281.
Application 17/734,814 is a continuation of application No. 16/197,536, filed on Nov. 21, 2018, abandoned.
Application 16/197,536 is a continuation of application No. 14/693,039, filed on Apr. 22, 2015, granted, now 10,181,160.
Claims priority of provisional application 62/073,695, filed on Oct. 31, 2014.
Claims priority of provisional application 62/061,018, filed on Oct. 7, 2014.
Claims priority of provisional application 62/060,847, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,007, filed on Oct. 7, 2014.
Claims priority of provisional application 62/060,808, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,016, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,000, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,003, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,012, filed on Oct. 7, 2014.
Claims priority of provisional application 62/060,777, filed on Oct. 7, 2014.
Claims priority of provisional application 62/061,009, 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.
Prior Publication US 2024/0037669 A1, Feb. 1, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01); E03B 7/07 (2006.01); G05B 15/02 (2006.01); G06Q 10/10 (2023.01); G06Q 30/02 (2023.01); G06Q 50/16 (2024.01); G06Q 50/163 (2024.01); G08B 21/20 (2006.01); G16Y 10/50 (2020.01); H04L 12/28 (2006.01); G08B 21/04 (2006.01); G16Y 40/10 (2020.01)
CPC G06Q 40/08 (2013.01) [E03B 7/071 (2013.01); G05B 15/02 (2013.01); G06Q 10/10 (2013.01); G06Q 30/0278 (2013.01); G06Q 50/16 (2013.01); G06Q 50/163 (2013.01); G08B 21/20 (2013.01); G16Y 10/50 (2020.01); H04L 12/2823 (2013.01); H04L 12/2827 (2013.01); G05B 2219/163 (2013.01); G05B 2219/2642 (2013.01); G08B 21/043 (2013.01); G16Y 40/10 (2020.01); H04L 12/2803 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method of determining a cause of damage to a property populated with a plurality of smart devices on the property, each of the plurality of smart devices configured to monitor various conditions associated with the property, the method comprising:
automatically generating, by one or more processors of a smart home controller associated with the property, a time-sequence of events based upon sensor data recorded by the plurality of smart devices before, during, and after an insurance-related event;
identifying from the time-sequence of events, by the one or more processors of the smart home controller, a first cause of loss and a second cause of loss associated with the insurance-related event;
based upon the time-sequence of events, assigning, by the one or more processors of the smart home controller, (i) a first portion of damage to the first cause of loss, and (ii) a second portion of damage to the second cause of loss, wherein each of the first portion and the second portion of damage comprises (i) damage to the property caused by the insurance-related event, and (ii) at least one of water damage, wind damage, fire damage, earthquake damage, or a breach of structural integrity; and
automatically generating, by the one or more processors of the smart home controller, a proposed insurance claim based upon the assignment of the first portion of damage to the first cause of loss, and the second portion of damage to the second cause of loss.