Abstract: Methods and systems for managing the operation of devices within a property, and processing insurance policies associated therewith. A property is populated with a plurality of smart devices, smart appliances, and/or other devices that are connected to, and/or in wired or wireless communication with a central controller, such as a smart home controller or insurance provider remote processor, whereby the plurality of devices and/or property are covered by an insurance policy. The central controller may collect sensor data from the plurality of devices and/or determine whether the property is occupied or not. The central controller may also identify a desired operating state of a device, generate a command according to the desired operating state, and/or transmit the command the device to facilitate prevention or reduction of risk or damage to the property. The central controller may also generate and/or process insurance claims associated with damage to the devices and/or property.

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: 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: 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: Methods and systems for predictively generating an insurance claim in response to detecting an imminent insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store a first set of data received from smart devices disposed on, or proximate to, a property. This data may be analyzed to detect that an insurance-related event is imminent and calculate a likelihood that a property owner will file an insurance claim in response to damage caused by the imminent insurance-related event. If there is a sufficient likelihood that an insurance claim will be filed, the smart home controller or remote processor may store a second set of data received from the smart devices. Subsequently, according to certain aspects, the second set of data may be analyzed to prepopulate an automatically generated insurance claim with information detailing damage to the property caused by the insurance-related event.

Abstract: Methods and systems for homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, 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 may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.

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, whereby the plurality of devices are covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may receive identifications for the devices, and may update an inventory list to include the plurality of devices. A total market value of the devices may be calculated, and the central controller may estimate any modification to the insurance policy based upon the total market value. The controller may facilitate the modification to the insurance policy with a customer and an insurance provider. The smart devices may be, or be associated with, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.

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: Methods and systems for managing the operation of devices within a property, and processing insurance policies associated therewith. A property is populated with a plurality of smart devices, smart appliances, and/or other devices that are connected to, and/or in wired or wireless communication with a central controller, such as a smart home controller or insurance provider remote processor, whereby the plurality of devices and/or property are covered by an insurance policy. The central controller may collect sensor data from the plurality of devices and/or determine whether the property is occupied or not. The central controller may also identify a desired operating state of a device, generate a command according to the desired operating state, and/or transmit the command the device to facilitate prevention or reduction of risk or damage to the property. The central controller may also generate and/or process insurance claims associated with damage to the devices and/or property.

Abstract: Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.

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: 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: 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: 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.