Systems and methods for determining an event and resulting damage using crowdsourced data

1 . An event assessment (EA) computing device for analyzing hazard events, the EA computing device comprising at least one memory and at least one processor in communication with the at least one memory, wherein the at least one processor is programmed to:

receive hazard event data associated with a hazard event of a hazard type in a geographic radius from a first hazard event source, the first hazard event source comprising a weather service;

automatically search one or more supplemental hazard event sources for supplemental hazard event data for a specific location within the geographic radius based upon receiving the hazard event data, wherein the supplemental hazard event data is associated with the hazard event, the one or more supplemental hazard event sources comprising a public data source;

apply the supplemental hazard event data to a trained event assessment model to determine at least one of a status of the hazard event or a status of a property, wherein the trained event assessment model is selected from a plurality of trained event assessment models trained for different hazard types based upon the trained event assessment model being trained for the hazard type of the hazard event by being trained:

in a first stage using first historical hazard event data from the first hazard event source, the first historical hazard event data identifying historical weather events having the hazard type; and

in a second stage using second historical hazard event data from the one or more supplemental hazard event sources, the second historical hazard event data comprising at least one of picture data or video data associated with the historical weather events having the hazard type;

receive an output from the trained event assessment model, wherein the output comprises a recommendation associated with the hazard event; and

transmit a message to a user computing device, the message including the recommendation.

2 . The EA computing device of claim 1 , wherein the supplemental hazard event data is at least one of crowdsourced, donated, or public data.

3 . The EA computing device of claim 1 , wherein the supplemental hazard event data is associated with a timing of the hazard event and the specific location.

4 . The EA computing device of claim 1 , wherein the at least one processor is further programmed to receive the hazard event data via one or more application programming interfaces (APIs).

5 . The EA computing device of claim 1 , wherein the at least one processor is further programmed to train the event assessment model using historical records comprising historical supplemental hazard event data and historical damage data.

6 . The EA computing device of claim 5 , wherein the at least one processor is further programmed to:

update the historical records to updated historical records comprising a new historical historic record, the new historical record comprising the historical supplemental hazard event data and the historical damage data; and

re-train the trained event assessment model using the updated historical records.

7 . The EA computing device of claim 1 , wherein the property is associated with a policy, the user computing device is associated with the policy, and the message causes display of a claim selector at the user computing device, wherein selection of the claim selector causes initiation of a claim.

8 . The EA computing device of claim 7 , wherein the at least one processor is further configured to receive an input from the user computing device associated with selection of the claim selector.

9 . The EA computing device of claim 8 , wherein the at least one processor is further configured to, in response to selection of the claim selector, initiate the claim without requiring an in-person inspection of the property.

10 . The EA computing device of claim 1 , wherein the property is a first property and wherein the hazard event data is retrieved in response to a triggering event, wherein the triggering event includes at least one of: i) a policyholder submitting a policy claim, ii) the hazard event data satisfying a weather criterion, or iii) a supplemental policyholder submitting a policy claim associated with a second property within a predetermined distance of the first property.

11 . The EA computing device of claim 1 , wherein the at least one processor is further configured to:

receive the second historical hazard event data in a first format associated with the at least one of the picture data or the video data;

translate the second historical hazard event data into a second format comprising text data; and

store the second historical hazard event data in the second format.

12 . A computer-based method for analyzing hazard events, the computer-based method implemented by at least one processor in communication with at least one memory, the computer-based method comprising:

receiving hazard event data associated with a hazard event of a hazard type in a geographic radius from a first hazard event source, the first hazard event source comprising a weather service;

automatically searching one or more supplemental hazard event sources for supplemental hazard event data for a specific location within the geographic radius based upon receiving the hazard event data, wherein the supplemental hazard event data is associated with the hazard event, the one or more supplemental hazard event sources comprising a public data source;

applying the supplemental hazard event data to a trained event assessment model to determine at least one of a status of the hazard event or a status of a property, wherein the trained event assessment model is selected from a plurality of trained event assessment models trained for different hazard types based upon the trained event assessment model being trained for the hazard type of the hazard event by being trained:

in a first stage using first historical hazard event data from the first hazard event source, the first historical hazard event data identifying historical weather events having the hazard type; and

in a second stage using second historical hazard event data from the one or more supplemental hazard event sources, the second historical hazard event data comprising at least one of picture data or video data associated with the historical weather events having the hazard type;

receiving an output from the trained event assessment model, wherein the output comprises a recommendation associated with the hazard event; and

transmitting a message to a user computing device, the message including the recommendation.

13 . The computer-based method of claim 12 , wherein the supplemental hazard event data is at least one of crowdsourced, donated, or public data.

14 . The computer-based method of claim 12 , wherein the supplemental hazard event data is associated with a timing of the hazard event and the specific location.

15 . The computer-based method of claim 12 , wherein the hazard event data is received via one or more application programming interfaces (APIs).

16 . The computer-based method of claim 12 , further comprising training the trained event assessment model using historical records comprising historical supplemental hazard event data and historical damage data.

17 . The computer-based method of claim 16 , further comprising:

updating the historical records to updated historical records comprising a new historical record, the new historical record comprising the historical supplemental hazard event data and the historical damage data; and

re-training the trained event assessment model using the updated historical records.

18 . The computer-based method of claim 17 , further comprising receiving an input from the user computing device associated with selection of the claim selector.

19 . The computer-based method of claim 12 , wherein the property is associated with a policy, the user computing device is associated with the policy, and the message causes display of a claim selector at the user computing device, wherein selection of the claim selector causes initiation of a claim.

20 . At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon for analyzing hazard events, wherein when executed by at least one processor, the computer-executable instructions cause the at least one processor to:

receive hazard event data associated with a hazard event of a hazard type in a geographic radius from a first hazard event source, the first hazard event source comprising a weather service;

automatically search one or more supplemental hazard event sources for supplemental hazard event data for a specific location within the geographic radius based upon receiving the hazard event data, wherein the supplemental hazard event data is associated with the hazard event, the one or more supplemental hazard event sources comprising a public data source;

apply the supplemental hazard event data to a trained event assessment model to determine at least one of a status of the hazard event or a status of a property, wherein the trained event assessment model is selected from a plurality of trained event assessment models trained for different hazard types based upon the trained event assessment model being trained for the hazard type of the hazard event by being trained:

in a first stage using first historical hazard event data from the first hazard event source, the first historical hazard event data identifying historical weather events having the hazard type; and

in a second stage using second historical hazard event data from the one or more supplemental hazard event sources, the second historical hazard event data comprising at least one of picture data or video data associated with the historical weather events having the hazard type;

receive an output from the trained event assessment model, wherein the output comprises a recommendation associated with the hazard event; and

transmit a message to a user computing device, the message including the recommendation.

21 . An event assessment (EA) computing device for analyzing hazard events, the EA computing device comprising at least one memory and at least one processor in communication with the at least one memory, wherein the at least one processor is programmed to:

retrieve one or more trigger parameters for an insurance contract;

receive hazard event data associated with a hazard event of a hazard type in a geographic radius from a first hazard event source, the first hazard event source comprising a weather service;

automatically search one or more supplemental hazard event sources for supplemental hazard event data for a specific location within the geographic radius based upon receiving the hazard event data, wherein the supplemental hazard event data is associated with the hazard event, the one or more supplemental hazard event sources comprising a public data source;

apply the supplemental hazard event data to a trained event assessment model to determine if the one or more trigger parameters are met, wherein the trained event assessment model is selected from a plurality of trained event assessment models trained for different hazard types based upon the trained event assessment model being trained for the hazard type of the hazard event by being trained:

in a first stage using first historical hazard event data from the first hazard event source, the first historical hazard event data identifying historical weather events having the hazard type; and

in a second stage using second historical hazard event data from the one or more supplemental hazard event sources, the second historical hazard event data comprising at least one of picture data or video data associated with the historical weather events having the hazard type; and

in response to the one or more trigger parameters being met, causing to be displayed on a user computing device, a claim associated with the insurance contract.