US 12,248,991 B2
Home event detection and processing
Bryan Keith Corder, Gurnee, IL (US); Rothana Srey, Dekalb, IL (US); Nicholas A. Suizzo, Cody, WY (US); and Sean P. Willett, Chicago, IL (US)
Assigned to Allstate Insurance Company, Northbrook, IL (US)
Filed by Allstate Insurance Company, Northbrook, IL (US)
Filed on Sep. 22, 2022, as Appl. No. 17/950,506.
Application 17/950,506 is a continuation of application No. 16/666,762, filed on Oct. 29, 2019, granted, now 11,481,847.
Application 16/666,762 is a continuation of application No. 14/202,205, filed on Mar. 10, 2014, granted, now 10,467,701, issued on Nov. 5, 2019.
Prior Publication US 2023/0186399 A1, Jun. 15, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01)
CPC G06Q 40/08 (2013.01) 14 Claims
OG exemplary drawing
 
1. A home event detection and processing system comprising:
at least one sensing device in communication with and monitoring one or more aspects of a home device of a user;
at least one video monitoring device to capture and transmit image data related to the home device of the user, the at least one video monitoring device being in communication with the at least one sensing device;
a processing unit comprising a processor; and
a non-transient memory unit storing computer-executable instructions configured to:
determine an occurrence of a home event based on first information including one or more signals from the at least one sensing device,
determine, based at least in part on the one or more signals from the at least one sensing device and video data received from the at least one video monitoring device, a cost of repair of damage corresponding to the home event,
retrieve second information different from the first information, the second information being associated with an insurance policy covering the home device;
based on the second information, determine an insurable event deductible and determine that default user instructions identified and selected by the user to designate processes to be performed include an identified and selected instruction to automatically initiate an insurance claim;
initiate the insurance claim to cover the cost of repair of damage caused by the home event, in response to the default user instructions including an instruction to automatically initiate the insurance claim; and
in response to determining that the insurable event deductible is greater than the cost of repair of damage, cancel, by the home event detection and processing system, automatic processing of the insurance claim and transmit a notification to a computing device of the user indicating the insurable event deductible is greater than the cost of repair of damage.