US 12,475,515 B2
Apparatuses, systems and methods for mitigating property loss based on an event driven probable roof loss confidence score
Joshua M. Mast, Bloomington, IL (US); Douglas L. Dewey, Bloomington, IL (US); Todd Binion, Bloomington, IL (US); and Jeffrey Feid, Normal, 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 Nov. 14, 2023, as Appl. No. 18/508,963.
Application 18/508,963 is a continuation of application No. 17/954,015, filed on Sep. 27, 2022.
Application 17/954,015 is a continuation of application No. 16/983,794, filed on Aug. 3, 2020, granted, now 11,488,255, issued on Nov. 1, 2022.
Prior Publication US 2024/0087042 A1, Mar. 14, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01); G01W 1/14 (2006.01)
CPC G06Q 40/08 (2013.01) [G01W 1/14 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for performing an insurance claim process based on probable roof loss confidence score data based on a particular weather event, wherein the probable roof loss confidence score data is associated with a roof of a building, the system comprising:
one or more processors;
a non-transitory computer-readable medium; and
instructions stored on the non-transitory computer-readable medium that, when executed by the one or more processors, cause the one or more processors to:
receive building data from a building computing device, wherein the building data is representative of attributes of the building;
receive roof data from a roof computing device, wherein the roof data is representative of a structure forming an upper covering of the building;
receive base-line probable roof loss confidence score data for the building, wherein the base-line probable roof loss confidence score data is at least partially based on historical weather data, historical hail data, the roof data, and climate region data;
receive weather data, wherein the weather data is representative of at least one storm attribute associated with a storm associated with the particular weather event that occurred in a geographic area that includes a geographic location of the building;
receive hail data, wherein the hail data is associated with the building and is representative of one or more attributes of hail, associated with the particular weather event, that has impacted the geographic area, the hail data including at least one of image data, video data, or audio data collected by a smart home device disposed at the building in real time;
analyze the hail data to detect a hail event signature in the at least one of the image data, the video data, or the audio data;
responsive to detecting the hail event signature, estimate at least one attribute of the one or more attributes of the hail based on the at least one of the image data, the video data, or the audio data;
generate probable roof loss confidence score data based on the base-line probable roof loss confidence score data, the weather data, the hail data, the roof data, and the at least one estimated attribute by:
determining a current roof condition of the roof of the building based upon at least one of the building data or the roof data; and
determining a predicted level of roof damage to the roof of the building over a time interval based upon the base-line probable roof loss confidence score data, the current roof condition, and the estimated at least one attribute of the one or more attributes of the hail associated with the particular weather event; and
generate building insurance claim data based on the probable roof loss confidence score data.