Granted Patent B1

US 12,632,748 · App. 16/983,775 · Granted May 19, 2026

Inventors: Joshua M. Mast (Bloomington, IL); Douglas L. Dewey (Bloomington, IL); Todd Binion (Bloomington, IL); Jeffrey Feid (Normal, IL)

Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE

G06N5/04G01W1/00G06Q40/08G06N20/00

Abstract

Claims (47)

1 . A system for generating a base-line probable roof loss confidence score associated with a roof of a building, the system comprising:

a building data receiving module stored on a memory of a confidence score computing device that, when executed by a processor of the confidence score computing device, causes the processor of the confidence score computing device to receive building data from a building computing device, wherein the building data is representative of attributes of the building;

a roof data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive roof data from a roof computing device, wherein the roof data is representative of a structure forming an upper covering of the building;

a weather data receiving module stored on the memory of the confidence score computing device that, when executed by a processor of the confidence score computing device, causes the processor of the confidence score computing device to receive historical weather data from a weather computing device based on the building data, wherein the historical weather data is representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building;

a hail data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive historical hail data from a hail computing device based on the building data, wherein the historical hail data is representative of attributes of historical hail that has impacted a geographic area that includes the geographic location of the building;

a base-line probable roof loss confidence score data generation module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to generate, at the time of property insurance underwriting for the building, base-line probable roof loss confidence score data, to serve as a base-line for generating a subsequent probable roof loss confidence score, based on the building data, the roof data, the weather data, and the hail data; and

a loss mitigation transmission module to implement an action to mitigate property loss based on at least the base-line probable roof loss confidence score data.

2 . A system as in claim 1 , further comprising:

a climate region data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive climate region data from a climate region computing device based on the building data, wherein the base-line probable roof loss confidence score data is further based on the climate region data.

3 . A system as in claim 1 , further comprising:

a base-line probable roof loss confidence score verification data receiving module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive base-line probable roof loss confidence score verification data.

4 . A system as in claim 3 , further comprising:

a verified base-line probable roof loss confidence score data generation module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to generate verified base-line probable roof loss confidence score data based on a comparison of the base-line probable roof loss confidence score data with the base-line probable roof loss confidence score verification data.

5 . A system as in claim 4 , further comprising:

a verified base-line probable roof loss confidence score data storage module stored on the memory of the confidence score computing device that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to store the verified base-line probable roof loss confidence score data on the memory of the confidence score computing device.

6 . A computer-implemented method for generating base-line probable roof loss confidence score data associated with a roof of a building, the method comprising:

receiving building data from a building computing device in response to a processor of a confidence score computing device executing a building data receiving module, wherein the building data is representative of attributes of the building;

receiving roof data from a roof computing device in response to the processor of the confidence score computing device executing a roof data receiving module, wherein the roof data is representative of a structure forming an upper covering of the building;

receiving historical weather data from a weather computing device based on the building data in response to the processor of the confidence score computing device executing a weather data receiving module, wherein the historical weather data is representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building;

receiving historical hail data from a hail computing device based on the building data in response to the processor of the confidence score computing device executing a hail data receiving module, wherein the historical hail data is representative of attributes of historical hail that has impacted a geographic area that includes the geographic location of the building;

receiving climate region data from a climate region computing device based on the building data in response to the processor of the confidence score computing device executing a climate region data receiving module;

generating, at property insurance underwriting, base-line probable roof loss confidence score data, to serve as a base-line for generating a subsequent probable roof loss confidence score, based on the building data, the roof data, the weather data, the hail data, and the climate region data in response to the processor of the confidence score computing device executing a base-line probable roof loss confidence score data generation module; and

implementing an action to mitigate property loss based on at least the base-line probable roof loss confidence score data.

7 . The method of claim 6 , wherein execution of the base-line probable roof loss confidence score data generation module causes the processor of the confidence score computing device to implement a probability function to generate the base-line probable roof loss confidence score data.

8 . The method of claim 7 , wherein a contribution of a first term of the probability function is weighted, via a first weighting variable, relative to a second term of the probability function.

9 . The method of claim 8 , wherein the first term of the probability function is based on the roof data, and wherein the second term of the probability function is based on the hail data.

10 . The method of claim 9 , wherein the first weighting variable is dynamically determined based on at least one of the building data, the roof data, the weather data, the hail data, or the climate region data.

11 . The method of claim 6 , wherein the attributes of the building include at least one of: a geographic location of the building, a building orientation relative to geographic cardinal directions, whether the building is single story, whether the building is two story, whether the building is multi-story, whether there is tree cover over the building, location and height of structures surrounding the building, or elevation of terrain surrounding the building.

12 . The method of claim 6 , wherein the roof data is representative of at least one of: a roofing system covering the building, a structural truss system that forms the design and shape of the roof, roof sheathing, underlayment, roofing felt, membrane, self-adhered water and ice-dam protection membrane, tar, tar paper, exterior roofing material covering, roof vents, flashing and drip edges, a component comprising part of the overall roof surface covering of the building, a roofing product age, roof area, a roofing material type, a roofing design, a roofing configuration, a roofing product condition, whether a roof is a gable roof, whether a roof is a hip roof, a roof slope, a number of layers of roofing material, a roof deck condition, a roofing manufacturer product testing result, a roofing installation criteria, a roofing product impact testing result, a roofing product wind testing result, a roofing installation, whether a roofing product complies with a particular roof impact test standard or protocol, whether the roofing product is impact resistant rated, a roofing product impact resistance rating, a roofing product wind rating, a roofing shingle specification, whether a roofing product was installed during cold conditions with hand-sealed roofing cement, a roof underlayment, a roofing facer technology, a polyiso roofing insulation, an EPS insulation, whether a roof includes roof ventilation, an attic detail, a roofing product manufacture warranty, a roofing product installer warranty, or a roofing product third-party warranty.

13 . The method of claim 6 , wherein the attributes of the storm include at least one of: a storm meteorological signature, a storm duration, a storm direction, thermal shock, whether a storm is conducive to producing damaging hail, whether a storm is conducive to producing strong winds, key meteorological aspects of a storm, length of time that the storm impacted the roof, a direction from which the storm impacts the building, a roof temperature prior to the storm, a roof temperature after the storm, or a thermal shock to roofing material.

14 . The method of claim 6 , wherein the attributes of the hail include at least one of: a physical characteristic of the hail, a size of the hail, a shape of the hail, a density of the hail, a hardness of the hail, a range of hail sizes produced by a storm, or a resistance to flexing of the hail.

15 . The method of claim 6 , wherein the climate region data is representative of at least one of a climate associated with a geographic location of the building; a humidity associated with a geographic location of the building, a temperature associated with a geographic location of the building, a moisture associated with a geographic location of the building, or whether a geographic location of the building is associated with a marine climate.

16 . A non-transitory computer-readable medium storing computer-readable instructions that, when executed by a processor, cause the processor to generate base-line probable roof loss confidence score data associated with a roof of a building, the computer-readable medium comprising:

a building data receiving module that, when executed by a processor of the confidence score computing device, causes the processor of the confidence score computing device to receive building data from a building computing device, wherein the building data is representative of attributes of the building;

a roof data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive roof data from a roof computing device, wherein the roof data is representative of a structure forming an upper covering of the building;

a weather data receiving module that, when executed by a processor of the confidence score computing device, causes the processor of the confidence score computing device to receive historical weather data from a weather computing device based on the building data, wherein the historical weather data is representative of storm attributes associated with historical storms that have occurred in a geographic area that includes a geographic location of the building;

a hail data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive historical hail data from a hail computing device based on the building data, wherein the historical hail data is representative of attributes of historical hail that has impacted a geographic area that includes the geographic location of the building;

a base-line probable roof loss confidence score data generation module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to generate, at property insurance underwriting, base-line probable roof loss confidence score data, to serve as a base-line for generating a subsequent probable roof loss confidence score, based on the building data, the roof data, the weather data, and the hail data; and

a loss mitigation transmission module to implement an action to mitigate property loss based on at least the base-line probable roof loss confidence score data.

17 . A computer-readable medium as in claim 16 , further comprising:

a climate region data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive climate region data from a climate region computing device based on the building data, wherein the base-line probable roof loss confidence score data is further based on the climate region data.

18 . A computer-readable medium as in claim 16 , further comprising:

a base-line probable roof loss confidence score verification data receiving module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to receive base-line probable roof loss confidence score verification data.

19 . A computer-readable medium as in claim 18 , further comprising:

a verified base-line probable roof loss confidence score data generation module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to generate verified base-line probable roof loss confidence score data based on a comparison of the base-line probable roof loss confidence score data with the base-line probable roof loss confidence score verification data.

20 . A computer-readable medium as in claim 19 , further comprising:

a verified base-line probable roof loss confidence score data storage module that, when executed by the processor of the confidence score computing device, causes the processor of the confidence score computing device to store the verified base-line probable roof loss confidence score data.

Assignments (1)

References Cited (303)