Abstract: Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.

Abstract: A shading system creates a shaded region on a structure, enabling 3D scanning techniques that rely on light detection to generate a 3D model. The shading system includes a vehicle or device that moves the shading system into place. A light, such as a laser dot or line, can be projected onto the shaded region of the structure and detected by a 3D scanner.

Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure.

Abstract: Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.

Abstract: A synchronization device for synchronizing data associated with a vehicle test is presented. The synchronization device may include signal-generating circuitry configured to generate a signal and provide the signal to at least one output device associated with a vehicle so as to allow a data collection device to receive the signal from the at least one output device. The synchronization device may also include first additional circuitry configured to prevent the data collection device from receiving the signal based on whether a test associated with the vehicle has started. At least one of the providing of the signal to the at least one output device or the preventing of the data collection device from receiving the signal may indicate a start of the test and may allow data collected by the data collection device to be synchronized with other collected data.

Abstract: Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication. The plurality of devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may detect an insurance-related event and may retrieve sensor data and pricing information from one or more of the devices. The central controller may assess damage to the devices and may generate a proposed insurance claim based upon damage to the identified devices. Additionally, the central controller may facilitate a processing of the proposed insurance claim with a customer and an insurance provider. The smart devices may be, or be attached to, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.

Abstract: In a system and method for inspecting a property, a microphone receives one or more audio waves propagating from a structure. One or more processors generate a 3D point cloud based on the received audio waves, analyzed the generated 3D point cloud to identify features of a surface or subsurface of the structure, and generate an estimate of a condition of the surface or subsurface.

Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure.

Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure.

Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure.

Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D contact scanner includes a tactile sensor system having at least one tactile sensor for generating 3D data points based on tactile feedback resulting from physical contact with at least part of the structure. A 3D model is constructed from the 3D data and is then analyzed to determine the condition of the structure.

Abstract: In a system and method for inspecting a property, a microphone receives one or more audio waves propagating from a structure. One or more processors generate a 3D point cloud based on the received audio waves, analyzed the generated 3D point cloud to identify features of a surface or subsurface of the structure, and generate an estimate of a condition of the surface or subsurface.

Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure.

Abstract: In a computer-implemented method and system for capturing the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner generates 3D data. A point cloud or 3D model is constructed from the 3D data. The point cloud or 3D model is then analyzed to determine the condition of the structure.

Abstract: A crash detection system is disclosed that utilizes a mobile computing device to detect a vehicular accident via one or more sensors integrated into the mobile computing device. The system monitors the sensor metrics measured by one or more sensors and generates an event sensor profile that may include the plurality of sensor metrics and additional status data, such as an indication of whether the mobile computing device was located within a vehicle when the event occurred. By comparing the plurality of sensor metrics to other crash sensor metrics, a determination may be made whether the event requires emergency assistance, which may be confirmed by determining whether the data included in the event sensor profile meets one or more exception conditions. If the event requires emergency assistance and an exception condition is not met, the mobile computing device may place a call to the appropriate emergency response personnel.

Abstract: A computer-implemented method for assessing a physical structure. The method includes receiving information indicative of an infrared image. The infrared image includes a portion of the physical structure. The method includes determining one or more indicators within the infrared image. The one or more indicators exceed a heat threshold. The method includes determining a plurality of characteristics of the one or more indicators. The method includes classifying the one or more indicators according to the determined plurality of characteristics. The method includes determining a condition of the physical structure based on the classification of the one or more indicators.

Abstract: Methods and systems for generating escape routes are provided. With a home owner's or insured's permission, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a home, as well as data received from an insurance provider. If it is determined that an emergency situation necessitating an evacuation exists, the smart home controller or insurance provider remote processor may automatically generate escape routes to guide occupants to safety. The smart home controller may then transmit the generated escape routes to inform occupants of emergency situation and how to reach safety. The smart home controller and/or insurance provider may also issue commands to smart devices to ensure the safety of the generated escape routes. Insurance policies, premiums, or discounts may be adjusted based upon the escape route determination functionality.

Abstract: Methods and systems for determining a cause of loss to a property for damage associated with an insurance-related event based upon data received from a second property. A smart home (or other building) controller and/or an insurance provider remote processor may generate a time sequence of events for damage associated with an insure-related event. The smart home controller or remote processor may also receive a time-sequence of events generated by a smart home controller associated with a second property. The smart home controller or remote processor may compare the two time-sequences of events to determine causes of loss associated with damage to the property. The compared data may be further used to assign a portion of the overall damage to each cause of loss. Subsequently, the smart home controller or remote processor may automatically generate an insurance claim for damage to the property associated with the insurance-related event.

Abstract: In a method and system for inspecting the condition of a structure, the structure is scanned with a three-dimensional (3D) scanner. The 3D scanner includes a sensing system having one of a radar sensing device or an ultrasonic detection device. The sensing system detects 3D information about a subsurface of the structure, and the 3D scanner generates 3D data points based on the information detected by one or more of the radar sensing device and the ultrasonic detection device. A 3D model is constructed from the 3D data and is then analyzed to determine the condition of the subsurface of the structure.

Abstract: A method and system detects and resolves impending failures in a sump pump. The method and system may measure a current water level in a sump basin, which houses the sump pump. The current water level may be determined by a water level sensor placed slightly above a set water level mark in the sump basin. If the current water level is above the set water level mark, the method and system may activate a mechanical shaker that produces vibrations to physically shake the sump pump. If the current water level is below the set water level mark, the method and system may determine potential problems associated with the sump pump by analyzing a motor of the sump pump.