United Services Automobile Association (usaa)

Kathleen L Swain

Michael J Allen

Spencer Read

Ramsey Devereaux

David S Franck

Daniela M Wheeler

William Chandler

Cleburne Robinson Burgess

Jordan A Newmark

Anthony Scott Farnsworth

Justin Dax Haslam

Jess Witman Gingrich

Teddy Joseph Edmond Voutour

Anthony G Castiglione

Shanna Ruth Limas

Teddy J Voutour

Michael Patrick Burns

Mark Davis

Bharat Prasad

Jodi Jean Healy

Karen Marie Moritz

Christopher Maurice Norman

Eric Vaith

Erin E McCaw

Cory A Matheson

Benjamin D Ethington

Traci K Uribe

Ina L Jackson

Elizabeth J Rubin

Mark A Zuwala

Tearanie Kennedy

Ramsey Deveraux

Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may us one or more sensors to determine damage to the property. Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode.

Unmanned vehicle service delivery

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 property is identified about which to gather information and a vehicle is deployed to a location associated with the property. A path is determined for the vehicle and the vehicle gathers real-time data associated with the property while traveling the path. The real-time data is compared to previously-gathered data to determine a portion of the property that is damaged.

Systems and methods for unmanned vehicle management

Systems and methods to performing insurance-based actions using sensor data are provided. A computer-implemented method includes receiving, via a processor, a geolocation associated with a property associated with a user. The method further includes querying, via the processor, one or more network image sources using the geolocation to identify one or more images of the property. The method further includes sending, via the processor, the one or more images to an electronic device of a user. The method further includes receiving, via the processor, an indication from the user, via the electronic device, whether the one or more images pertain to the property associated with the user. The method further includes, upon confirmation, providing, via the processor, the one or more images for image analysis to identify one or more features of the property. The method further performing one or more processes based at least upon Customer Relationship Management (CRM) tool data of the user and the one or more features of the property. The method further includes providing results of the one or more processes to the user.

Streamlined property insurance application and renewal process

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 first inspection of insured property is performed to detect hazardous conditions related to the insured property. This first inspection is performed using a first set of imagery data received from one or more imagery data sources. One or more preventive measures are recommended to address the detected hazardous conditions based on analysis of the first set of imagery data. A second inspection is performed using a second set of imagery data received from the imagery data sources. The second inspection is performed to verify that recommended preventive measures have been taken. The first and second sets of imagery data may contain satellite and aerial imagery. The imagery data sources may provide information such as an image of an insured property's roof, an image of a terrain surrounding the insured property, or any other aerial images.

Systems and methods for acquiring insurance related informatics

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

Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of a security threat or damage to the property. For example, an unmanned vehicle may analyze information about the property and based on the information provide graphics and information associated with the surveying of the property.

Indoor drone flight awareness system

A property is identified about which to gather information. A vehicle is deployed to a location associated with the property. The vehicle gathers data at the location. A portion of the gathered data indicating a condition or event at the property is determined and encrypted. The portion of the gathered data is stored or sent to an authorized party.

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

Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may use one or more sensors to determine damage to the property. Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode.

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.

Growing community of inventors

Peoria, AZ, United States of America

Kathleen L Swain