Hartford Fire Insurance Compnay

Other

Joseph R Carvalko, Jr

G Stewart Murchie

Kelly L Frey

Jonathan Helitzer

Casey Ellen Campbell

Steven P Rippel

Susannah Chen

Casey Ellen Kempton

Jonathon Helitzer

A computer system is configured to, responsive to receipt of a data alert from a sensor technology incorporated in a structure, perform real time polling of remedial technology in the structure, receive remedial action monitoring data output by the sensor technology and indicative of whether a remedial action has been taken, and input the monitoring data alert and the remedial action monitoring data into a trained computerized neural network. The neural network is configured to determine and operational status of the sensor technology and whether the remedial action has been taken. The computer system outputs a notification identifying a current risk and a determination of whether the remedial action has deployed.

Structure condition sensor and remediation system

The invention relates to systems and methods for analyzing data collected from sensors monitoring property. In particular, the systems and methods analyze the data to make property insurance underwriting decisions based on the collected sensor data using a computerized process that varies the way in which it manipulates the collected sensor data based on a characteristic of the property being insured, a characteristic of the entity seeking the insurance, and/or on the value of one or more collected data parameters. The invention also relates to systems and methods of making property insurance pricing decisions based on a similarly dynamic computerized process.

Remote sensor systems

A method and computerized system is disclosed for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of property losses. The invention utilizes a classifier for categorizing and weighing risk, composed of data representing in an identified building, a first unmitigated insurance risk and a second insurance risk, based upon the use of certain technology. A plurality of such weights are summed such that the weights generate a minimized risk for a building structure under consideration. combinations of technologies, employed in existing building structures to a classification, which then permits an underwriter to establish a premium. In another aspect of the invention data structures representing the quantification of risk reduction attendant a given technology or product are chained into a plurality of decision trees that process a construction phase and a pruning phase.

System for processing remote sensor data

The invention herein generally pertains to underwriting an insurance policy utilizing sensors to detect, determine, measure and assess one or more conditions, states of affairs, physical properties and process as each relates an insurable property interest. More specifically is disclosed a method and computerized system for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of certain property losses. The significance of operable safety related devices or system loads are important diagnostic safety markers for measuring one or more properties affecting the safety or risk aversion and for underwriting an insurable interest. This invention also relates to a system and a method for acquiring and assessing the qualities, variables and parameters that affect the underwriting premium for a building structure (commercial or residential), vehicle, aircraft, marine craft or cargo.

Systems and methods for analyzing sensor data

Remote sensor data systems

A method and computerized system is disclosed for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of property losses. The invention utilizes a classifier for categorizing and weighing risk, composed of data representing in an identified building, a first unmitigated insurance risk and a second insurance risk, based upon the use of certain technology. A plurality of such weights are summed such that the weights generate a minimized risk for a building structure under consideration. Combinations of technologies employed in building structures are mapped to classifications, which then permits an underwriter to establish a premium. In another aspect of the invention, data structures representing the quantification of risk reduction attendant a given technology or product are chained into a plurality of decision trees that process a construction phase and a pruning phase.

System for adjusting insurance for a building structure through the incorporation of selected technologies

A method and computerized system is disclosed for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of property losses. The invention utilizes a classifier for categorizing and weighing risk, composed of data representing in an identified building, a first unmitigated insurance risk and a second insurance risk, based upon the use of certain technology. A plurality of such weights are summed such that the weights generate a minimized risk for a building structure under consideration. Combinations of technologies, employed in existing building structures, are assigned to a classification, which then permits an underwriter to establish a premium. In another aspect of the invention data structures representing the quantification of risk reduction attendant a given technology or product are chained into a plurality of decision trees that process a construction phase and a pruning phase.

System for reducing the risk associated with an insured building structure through the incorporation of selected technologies

System for the acquisition of technology risk mitigation information associated with insurance

The present invention is an apparatus and a method that separates petroleum products such as fuel oil and gasoline from other foreign constituents, such as water and organic and inorganic solids. In the present invention a petroleum product and its undesirable impurities enters a cylindrical chamber having an input port and an output port. Within the container exists a longitudinal input chamber which forces the fluid to assume a velocity, acceleration and direction as it progresses through the chamber and finally ejected through a nozzle which directs the fluid into a concave surface to produce a rotation of the fluid. Due to centrifugal and other physical forces, components of greater specific gravity are deflected at an angle relatively smaller than components having a larger specific gravity. The petroleum products such as fuel, which have lower specific gravity than either water or solid constituents such as sand and sediment, flow away from the convex barrier and are swept into the current of the fluid as it makes it way under pump pressure to the output port. The heavier specific gravity components settle and tend towards a sump at the bottom of the large container.

Growing community of inventors

Milford, CT, United States of America

Joseph R Carvalko, Jr