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:
Sep. 22, 2020
Filed:
Mar. 05, 2018
United Services Automobile Association, San Antonio, TX (US);
Michael J. Allen, San Antonio, TX (US);
Ramsey Devereaux, San Antonio, TX (US);
Spencer Read, Helotes, TX (US);
David S. Franck, San Antonio, TX (US);
William Chandler, San Antonio, TX (US);
Daniela Wheeler, Borne, TX (US);
Kathleen L. Swain, Peoria, AZ (US);
Cleburne R. Burgess, Fair Oaks Ranch, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
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.