System for generating visualizations with applications for insurance and reinsurance
View Patent ↗A system for verifying insurance coverage is described. A central system receives an address of a property into a central system including information about insurance products for a premises. The central system retrieves an informal two-dimensional rendering of the premises from at least one external data store. The central system analyzes said informal two-dimensional rendering. The central system determines features found on the premises depicted by the two-dimensional rendering, wherein said features comprise walls, doors, windows, and appliances. The central system automatically generates a three-dimensional model of the premises on demand using only the two-dimensional rendering of the premises. The central system verifies insurance coverage for the property using the three-dimensional model.
1 . A system for verifying insurance coverage for a premises using visualization comprises:
receiving an address of a property into a central system;
receiving information about at least one insurance product into the central system applicable to the premises;
the central system retrieving an informal two-dimensional rendering of the premises from at least one external data store;
the central system analyzing said informal two-dimensional rendering;
the central system determining features found on the premises depicted by the two-dimensional rendering, wherein said features comprise walls, doors, windows, and appliances;
the central system employing an artificial-intelligence engine configured to autonomously perform the retrieval, analysis, feature-detection, and model-generation steps;
the central system automatically generates a three-dimensional model of the premises on demand for use by an insurance provider only the two-dimensional rendering of the premises and without requiring aerial imagery;
the central system generating a high-resolution photorealistic and 360-degree interior visualization including technical information comprising detected walls, windows, doors, room boundaries, and structural features; and
the central system generates an insurance risk assessment report adapted to allow the insurance provider to verify insurance coverage for the property using the three-dimensional model generated by the system.
2 . The system of claim 1 wherein the central system employs an AI-based anomaly detector to compare the generated three-dimensional model to historical or expected property layouts and to flag mismatches indicative of potential fraud or data errors.
3 . The system of claim 1 wherein the visualization is deliverable to a smartphone, tablet, portable computer, or AR/VR-capable wearable device.
4 . The system of claim 1 wherein the high-resolution visualization comprises a photorealistic rendering of interior spaces with embedded technical information including room dimensions and structural features.
5 . The system of claim 1 wherein the artificial-intelligence engine performs boundary detection, wall detection, window detection, door detection, and room-type prediction.
6 . The system of claim 1 wherein the insurance risk assessment report is configured for use by an insurance provider to evaluate eligibility for insurance coverage.
7 . The system of claim 1 wherein the three-dimensional model is generated solely from the informal two-dimensional rendering without requiring aerial imagery or external spatial data.
8 . The system of claim 1 , wherein the retrieval, analysis, feature-detection, model-generation, and visualization steps are performed without use of sensors, including without use of range-finders, depth sensors, LiDAR sensors, motion sensors, or environmental sensors.
9 . A system for generating formal premises designs for insurance analysis at an address comprising:
the system retrieves address information and insurance information associated with the address;
the system obtains initial data from at least one external data source on basis of the address information;
the system receives input comprising the initial data to represent one or more premises;
the system analyzes said input to generate a three-dimensional model;
the system employs an artificial intelligence engine configured to autonomously perform the retrieval, analysis, feature detection, and model generation steps;
the system modifies the three-dimensional model;
the system determines features found on the premises, wherein said features comprise walls, doors, windows, and appliances;
the system automatically generates a final three-dimensional digital twin model of the premises using only the initial data from at least one external data source and without requiring aerial imagery, the digital twin highlighting areas relevant to insurance coverage;
the system generates a high-resolution photorealistic visualization of the premises including detected structural features;
the system automatically generates a final three-dimensional digital twin model of the premises; the digital twin being generated using only the initial data from at least one external data source highlighting areas relevant to insurance coverage;
the system generates a photorealistic visualization of the premises; and
the system provides an insurance risk assessment report, including a preview of the photorealistic visualization of the premises generated by the system adapted for purposes of verifying of insurance coverage by an insurance provider.
10 . The system of claim 9 wherein said initial data comprises a photo of a 2-dimensional sketch on paper.
11 . The system of claim 9 wherein said initial data comprises a video of a 2-dimensional sketch on paper.
12 . The system of claim 9 wherein said initial data comprises an existing three-dimensional model as a baseline.
13 . The system of claim 9 wherein said initial data comprises importing a completed three-dimensional model.
14 . The system of claim 9 wherein system modification employs artificial intelligence to generate the three-dimensional model.
15 . The system of claim 9 wherein said final three-dimensional model is populated by one or more interactive objects.
16 . The system of claim 9 wherein said previewing of the photorealistic visualization occurs using augmented reality.
17 . The system of claim 9 wherein said previewing of the photorealistic visualization occurs using smart glasses.
18 . The system of claim 9 wherein said analysis of input confirms that each room depicted in the premises is a valid room.
19 . The system of claim 9 wherein said analysis requests user input to confirm proper detection of rooms within depicted premises.
20 . The system of claim 9 wherein said analysis comprises detection of doors and windows within the input design.
21 . The system of claim 9 wherein the system employs artificial intelligence to match an input address to candidate two-dimensional layouts by ranking multiple candidate layouts using a learned similarity model.
22 . The system of claim 9 , wherein the system performs the retrieval, analysis, feature-detection, model-generation, and visualization steps without use of sensors, including without use of range-finders, depth sensors, LiDAR sensors, motion sensors, or environmental sensors.