Intelligent methods of inspection for property and casualty insurance claims

1 . A method comprising:

identifying, by a computer system comprising one or more processors, a bounded geographical area affected by a weather event;

generating, by the computer system, a customer density profile in the bounded geographical area;

collecting, by the computer system, sensor data from one or more sensors located in the bounded geographical area;

assigning, by the computer system, a severity code indicating an estimated level of severity of property losses based on the collected sensor data, the weather event, and the customer density profile, wherein the sensor data is indicative of a propensity of the weather event;

predicting, by the computer system, resource utilization at least based on the severity code;

generating, by the computer system, based on the severity code, one or more loss reports for selected customers in the bounded geographical area prior to receiving customer-generated loss reports from the selected customers; and

facilitating, by the computer system, the predicted resource utilization based on the severity code.

2 . The method of claim 1 , wherein the one or more loss reports are based on selected one or more insured properties in the bounded geographical area.

3 . The method of claim 1 , further comprising:

recommending a level and a type of resources based on the predicted resource utilization; and

estimating a customer need based on at least one of the customer density profile and the weather event.

4 . The method of claim 1 , further comprising:

receiving the customer-generated loss reports from one or more customers, wherein the predicted resource utilization is further based on the received customer-generated loss reports.

5 . The method of claim 1 , further comprising:

acquiring weather data prior to occurrence of the weather event, wherein at least one weather event intensity profile is generated from the weather data acquired prior to the occurrence of the weather event, and wherein the weather data indicates a potential property loss by the weather event to a customer of an insurer.

6 . The method of claim 1 , wherein the one or more loss reports are generated based on weather intensity profiles in locations of one or more insured properties in the bounded geographical area.

7 . The method of claim 1 , further comprising:

after the weather event, verifying that reported property losses were caused by the weather event using images taken prior to the weather event.

8 . The method of claim 1 , further comprising:

receiving a customer-generated loss report for an insured property of a customer; and

determining that the customer-generated loss report is fraudulent based on a location of the insured property in the bounded geographical area and at least one weather intensity profile.

9 . The method of claim 1 , further comprising:

notifying customers of potential property losses based on locations of one or more insured properties of the customers in the bounded geographical area in relation to the weather event.

10 . The method of claim 1 , wherein resources include at least one of the following: insurance adjustors, hotel rooms, roofing contractors, building materials, or insurer's employees.

11 . The method of claim 1 , wherein resources include insurance adjustors, and wherein the method further comprises:

assigning sections or portions of sections to the insurance adjustors for inspection, wherein inspection includes inspecting insured properties in the sections or the portions of the sections according to the predicted resource utilization.

12 . The method of claim 1 , further comprising:

scheduling resources to proactively assist potentially affected customers with resolving property losses.

13 . The method of claim 1 , wherein resources are associated with a preferred provider of an insurer.

14 . A system comprising:

one or more processors; and

one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a method comprising:

identifying a bounded geographical area affected by a weather event;

generating a customer density profile in the bounded geographical area;

collecting sensor data from one or more sensors located in the bounded geographical area;

assigning a severity code indicating an estimated level of severity of property losses based on the collected sensor data, the weather event, and the customer density profile, wherein the sensor data is indicative of a propensity of the weather event;

predicting resource utilization at least based on the severity code;

generating, based on the severity code, one or more loss reports for selected customers in the bounded geographical area prior to receiving customer-generated loss reports from the selected customers; and

facilitating the predicted resource utilization based on the severity code.

15 . The system of claim 14 , wherein the one or more loss reports are based on selected one or more insured properties in the bounded geographical area.

16 . A non-transitory computer-readable medium having computer-readable instructions for programming a computer, the computer-readable instructions comprising instructions which, when executed by a processor, perform a method:

identifying a bounded geographical area affected by a weather event;

generating a customer density profile in the bounded geographical area;

collecting sensor data from one or more sensors located in the bounded geographical area;

assigning a severity code indicating an estimated level of severity of property losses based on the collected sensor data, the weather event, and the customer density profile, wherein the sensor data is indicative of a propensity of the weather event;

predicting resource utilization at least based on the severity code;

generating, based on the severity code, one or more loss reports for selected customers in the bounded geographical area prior to receiving customer-generated loss reports from the selected customers; and

facilitating the predicted resource utilization based on the severity code.

17 . The non-transitory computer-readable medium of claim 16 , wherein the one or more loss reports are based on selected one or more insured properties in the bounded geographical area.

18 . The non-transitory computer-readable medium of claim 16 , wherein predicting the resource utilization comprises: estimating a customer need based on the customer density profile and the weather event.

19 . The non-transitory computer-readable medium of claim 16 , wherein the method further comprises:

receiving customer-generated loss reports from at least one customer, wherein the resource utilization is predicted based on the received customer-generated loss reports.

20 . The non-transitory computer-readable medium of claim 16 , wherein the method further comprises:

acquiring weather data prior to occurrence of the weather event, wherein at least one weather event intensity profile is generated from the weather data acquired prior to the occurrence of the weather event.