State Farm Mutual Automobile Insurance Company

Phillip Sangpil Moon

Jeffrey Wilson Stoiber

Sunish Shreenarayan Menon

Jeffrey Kinsey

Weixin Wu

Michael Shawn Jacob

Rajiv C Shah

Erin Ann Olander

Lucas Allen

Jeffrey David Hevrin

Sripriya Sundararaman

James Dykeman

Ellakate LeFebre

Scott Farris

Jeremy Shawn Fogg

Bernardo Bracero

Stan E Gozur

EllaKate LeFebre

Provided herein is a damage prevention and mitigation (DPM) computing device including at least one processor in communication with a memory device. The at least one processor may be configured to identify a plurality of property parameters associated with a property wherein the property parameters are associated with one of a structure and design of the property; receive, via one or more telematics sensors, property telematics data; determine one or more damage factors associated with the property, wherein each damage factor includes an aspect of the property that increases a likelihood of the property incurring some damage; and generate a damage profile for the property based upon the determined damage factors, wherein the damage profile includes at least (a) one or more recommendations to address the damage factors and mitigate the likelihood that the property will incur damage, and (b) an insurance coverage amount for the property.

Systems and methods for property damage prevention and mitigation

Provided herein is a modeling computing device including a processor in communication with a memory device. The processor is configured to: (i) retrieve, from the at least one memory device, historical data associated with a plurality of users, wherein the historical data includes historical liability amount data and historical user data, and wherein the historical user data includes at least one of historical personal information, historical vehicle telematics data, and historical environmental data, (ii) generate a model that relates the historical liability amount data and the historical user data, (iii) store the model in the at least one memory device, (iv) collect current user data associated with a candidate user, wherein the current user data includes current personal information, current vehicle telematics data, and current environmental data, and (v) analyze the collected current user data using the generated model.

Systems and methods for modeling telematics, positioning, and environmental data

Techniques for building and managing data models are provided. According to certain aspects, systems and methods may enable a user to input parameters associated with building one or more data models, including parameters associated with sampling, binning, and other factors. The systems and methods may automatically generate program code that corresponds to the inputted parameters and display the program code for review by the user. The systems and methods may build the data models and generate charts and plots depicting aspects of the data models. Additionally, the systems and methods may combine data models and select champion data models.

Technology for building and managing data models

A computer-implemented method for generating an automated response to a catastrophic event, that includes (1) analyzing a sample set of data generated in association with a catastrophic event to determine a threshold pattern; (2) receiving, with customer permission or affirmative consent, home sensor data from a smart home controller via wireless communication or data transmission, the home sensor data including data regarding at least one of (i) structural status; (ii) wind speed; (iii) availability of electricity; (iv) presence of water; (v) temperature; (vi) pressure; and/or (vii) presence of pollutants in the air and/or water; (3) determining, based upon or from computer analysis of the home sensor data, whether the home sensor data indicates a match to the threshold pattern; and (4) automatically generating a response if the home sensor data indicates a match to the threshold pattern. As a result, catastrophic events and responses thereto may be improved through usage of a remote network of home sensors.

Sensor data to identify catastrophe areas

A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.

Identifying property usage type based upon smart sensor data

Growing community of inventors

Bloomington, IL, United States of America

Phillip Sangpil Moon