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公开(公告)号：US10387966B1
公开(公告)日：2019-08-20
申请号：US15403376
申请日：2017-01-11
Inventor： Rajiv Shah , Michael Shawn Jacob , Sripriya Sundararaman , Jeffrey David Hevrin , Jeffrey Kinsey , Phillip Sangpil Moon , EllaKate LeFebre , Sunish Menon , Jeffrey Wilson Stoiber , James Nolan Dykeman , Erin Ann Olander , Lucas Allen
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.
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公开(公告)号：US10726494B1
公开(公告)日：2020-07-28
申请号：US15403296
申请日：2017-01-11
Inventor： Rajiv Shah , Michael Shawn Jacob , Sripriya Sundararaman , Jeffrey David Hevrin , Jeffrey Kinsey , Phillip Sangpil Moon , EllaKate LeFebre , Sunish Menon , Jeffrey Wilson Stoiber , James Nolan Dykeman , Erin Ann Olander , Lucas Allen
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.
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