United Services Automobile Association (usaa)

Daniela M Wheeler

Ramsey Devereaux

Spencer Read

Michael J Allen

Kathleen L Swain

David S Franck

William Chandler

Cleburne Robinson Burgess

Shanna Ruth Limas

Justin Dax Haslam

Teddy J Voutour

Michael Patrick Burns

Bharat Prasad

Jodi Jean Healy

Karen Marie Moritz

Christopher Maurice Norman

Eric Vaith

Erin E McCaw

Ann C Tarrillion

Christina N Nickel

Elizabeth J Rubin

David C Ault

Traci K Uribe

Ina L Jackson

Thuy Hugos

A computer device and method for processing an insurance claim and making decisions regarding an insurance policy utilizing informatic data received from one or more informatic camera sensor devices configured to capture imagery data relating to an insured property. Analysis is performed on the received imagery informatic data to determine an assessment variable regarding the insured property. An insurance policy associated with the insured property is also received by the computer and analyzed to determine insurance coverage terms and conditions for the insured property. Predefined business rules are preferably applied by the computer using at least the determined assessment variable and the determined insurance coverage terms and conditions for the insured property to determine an event relating to the insurance policy associated with the insured property.

Systems and methods for utilizing imaging informatics

A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.

Determining appliance insurance coverage/products using informatic sensor data

A system may include a plurality of camera devices configured to acquire image data associated with a property. The system may also include a processor that receives the image data from the plurality of camera devices, receives insurance policy data associated with the property from a database, and adjusts one or more terms of the insurance policy data based on the image data.

A computer device and method for processing risk related data to affect changes to an insurance policy whereby one or more terms of an insurance policy associated with an insured and informatic data from a plurality of sensor devices are received by a computer processor. Analysis is performed on the received informatic data to determine a risk assessment value regarding the insured and/or other risks relevant to the insurance policy, such as a dwelling. Predefined business rules are then applied using at least the determined risk assessment value to determine if conditions have been met to allow or require modification of the insurance policy whereafter modification of one or more terms of the insurance policy is performed if the insurance policy associated with the insured permits modification.

Insurance policy modifications using informatic sensor data

A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.

Determining status of building modifications using informatics sensor data

The present disclosure relates generally to a system that includes a storage component that stores data and a processor. The processor may install an application using a portion of the storage component, partition the portion of the storage component from a remaining portion of the storage component, and execute the application via the portion of the storage component.

Determining and initiating insurance claim events

A computer device and method for processing informatic data from one or more sensor devices associated with a property are provided herein. A first set of informatics data of a first property at a first period of time are analyzed to identify a first operating characteristic associated operating the first property. Operational changes to be implemented at a second property are identified based upon an operational efficiency of the first operating characteristic over a second operating characteristic of the second property. Second sensor data of the second property is used to determine that at least one of the identified operational changes has been implemented. Provision of a discount, a rebate, a monetary transfer, or any combination thereof is provided based upon the implementation.

System and method to provide savings based on reduced energy consumption

Systems and methods include one or more dwelling sensors configured to generate sensor data representative of characteristics of a dwelling; a telematics device configured to generate telematics data representative of operational characteristics of a vehicle; and an analysis server. The analysis server receives the sensor data; receives the telematics data; receives credit information regarding an insured; and determines one or more insurance policy decisions based upon the sensor data, the telematics data, and the credit information the one or more insurance policy decisions comprising: a premium amount, a deductible amount, a coverage amount, a coverage term, or any combination there of for the insured.

Utilizing credit and informatic data for insurance underwriting purposes

A computer device and method for processing data to determine suggested modifications to the policy terms or conditions contingent upon informatic data relating to habits and activities of inhabitants of an insured property or location. Informatic data relating to an insured property or location is electronically received from at least one informatic sensor device and is analyzed to determine behavioral habits and activities of one or more inhabitants associated with the insured property so as to identify one or more risks associated with the insured property or location. Electronic data is received for one or more terms of an insurance policy associated with the insured property and is analyzed to determine suggested modifications to the policy terms or conditions based upon the determined behavioral habits and activities of the one or more inhabitants associated with the insured property.

Determining risks related to activities on insured properties using informatic sensor data

A computer system and method for processing insurance claim data to identify and recommend insurance policy modifications using informatic data from one or more informatic sensor devices relating to a dwelling. Analytical analysis is performed on the received informatic data to determine a dwelling assessment value regarding an insurance risk relating to the dwelling. Electronic data relating to an insurance policy associated with the dwelling is received by a computer processor and is electronically analyzed to determine insurance coverage and liability values for the dwelling as prescribed by the insurance policy. Predefined business rules are utilized by a computer processor using at least the dwelling assessment value and the determined insurance coverage and liability values for the dwelling to determine, and preferably recommend, one or more insurance products for inclusion with the insurance policy to mitigate insuree liability regarding the dwelling.

Identifying and recommending insurance policy products/services using informatic sensor data

A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.

Determining insurance policy modifications using informatic sensor data

Systems and methods include: receiving informatics data from one or more sensors installed at a first set of one or more properties; aggregating and analyze the informatics data to generate one or more favorability scores based upon the informatics data; based upon the one or more favorability scores, determining a set of one or more insurance policy offers for a target property separate from the first set of one or more properties; and providing the set of one or more insurance policy offers for the target property to an insurance policyholder of the target property.

Growing community of inventors

Boerne, TX, United States of America

Daniela M Wheeler