The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 28, 2020
Filed:
Jan. 11, 2017
State Farm Mutual Automobile Insurance Company, Bloomington, IL (US);
Rajiv Shah, Bloomington, IL (US);
Michael Shawn Jacob, Le Roy, IL (US);
Sripriya Sundararaman, Plano, TX (US);
Jeffrey David Hevrin, Bloomington, IL (US);
Jeffrey Kinsey, Bloomington, IL (US);
Phillip Sangpil Moon, Bloomington, IL (US);
EllaKate LeFebre, Bloomington, IL (US);
Sunish Menon, Normal, IL (US);
Jeffrey Wilson Stoiber, Atlanta, GA (US);
James Nolan Dykeman, Bloomington, IL (US);
Erin Ann Olander, Lincoln, IL (US);
Lucas Allen, East Peoria, IL (US);
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US);
Abstract
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.