Streamlined property insurance application and renewal process
Systems and methods to performing insurance-based actions using sensor data are provided. A computer-implemented method includes receiving, via a processor, a geolocation associated with a property associated with a user. The method further includes querying, via the processor, one or more network image sources using the geolocation to identify one or more images of the property. The method further includes sending, via the processor, the one or more images to an electronic device of a user. The method further includes receiving, via the processor, an indication from the user, via the electronic device, whether the one or more images pertain to the property associated with the user. The method further includes, upon confirmation, providing, via the processor, the one or more images for image analysis to identify one or more features of the property. The method further performing one or more processes based at least upon Customer Relationship Management (CRM) tool data of the user and the one or more features of the property. The method further includes providing results of the one or more processes to the user.
1. A method, comprising:
receiving, via a processor, a geolocation associated with a property associated with a user;
querying, via the processor, one or more network image sources using the geolocation as a query input to identify a query output comprising one or more network images of the property, wherein the one or more network images are associated with geolocation metadata, and wherein the query output is identified by matching the query input with the geolocation metadata of the one or more network images and the geolocation metadata is received via a positional sensor associated with the one or more network image sources;
when the one or more network images are not in the one or more network image sources, transmitting, via the processor, a request to one or more surveying instruments to obtain the one or more network images of the property;
sending, via the processor, at least a first image of the one or more network images to an electronic device of a user for display in a confirmation graphical user interface (GUI) that prompts the user to provide a confirmation as to whether the at least first image depicts the property of the user;
receiving, via the processor, the confirmation, provided from the user, via the confirmation GUI of the electronic device;
in response to the confirmation indicating that the at least first image depicts the property associated with the user, providing, via the processor, at least a second image of the one or more network images for image analysis to identify one or more features of the property;
performing one or more processes based at least upon Customer Relationship Management (CRM) tool data of the user and the one or more features of the property; and
providing results of the one or more processes to the user.
2. The method of claim 1 , wherein the one or more network images of the property comprise a façade view, an aerial view, an elevation view, or any combination thereof.
3. The method of claim 1 , comprising creating, via the processor, a three-dimensional model of the property based at least upon the one or more network images of the property.
4. The method of claim 1 , comprising determining, via the processor, one or more risk characteristics of the property based at least upon the one or more features of the property.
5. The method of claim 4 , comprising sending, via the processor, an alert to one or more parties associated with the CRM tool data of the user based at least upon the one or more risk characteristics of the property.
6. The method of claim 4 , wherein the one or more risk characteristics is associated with hurricane risk, earthquake risk, flood risk, crime risk, wildfire risk, lightning risk, hail risk, sinkhole risk, or any combination thereof of the property.
7. The method of claim 1 , wherein performing the one or more processes comprises determining to present the user with one or more options using one or more predictive models, wherein the one or more predictive models use the CRM tool data, the one or more features, the one or more network images, or any combination thereof.
8. The method of claim 7 , wherein the one or more options comprise renewing an existing insurance policy, requesting an insurance policy, obtaining a quote for the insurance policy, validating an insurance claim associated with the property when loss occurs, generating an insurance to value estimate, or any combination thereof.
9. The method of claim 1 , wherein the image analysis comprises conducting a virtual inspection of the property based at least in part on the one or more network images.
10. The method of claim 1 , wherein the CRM tool data of the user comprises a payment history of the user, ownership of homeowner's policy, ownership of a checking account, ownership of a life insurance policy, ownership of an investment device, or any combination thereof.
11. A system, comprising:
one or more positional sensors configured to determine a geolocation associated with a property associated with a user;
an analysis server configured to:
receive the geolocation associated with the property;
query one or more network image sources using the geolocation as a query input to identify a query output comprising one or more network images of the property, wherein the one or more network images are associated with geolocation metadata, and wherein the query output is identified by matching the query input with the geolocation metadata of the one or more network images and the geolocation metadata is received via a positional sensor associated with the one or more network image sources;
when the one or more network images are not in the one or more network image sources, transmit, via the analysis server, a request to one or more surveying instruments to obtain the one or more network images of the property;
send at least a first image of the one or more network images to an electronic device of a user for display in a confirmation graphical user interface (GUI) that prompts the user to provide a confirmation as to whether the at least first image depicts the property of the user;
receive the confirmation, provided from the user, via the confirmation GUI of the electronic device;
in response to the confirmation indicating that the at least first image depicts the property associated with the user, provide at least a second image of the one or more network images for image analysis to identify one or more features of the property;
perform one or more processes based at least upon Customer Relationship Management (CRM) tool data of the user and the one or more features of the property; and
provide results of the one or more processes to the user.
12. The system of claim 11 , wherein the one or more network images of the property comprise a façade view image of the property and an aerial view image of the property used to identify at least a portion of the one or more features of the property.
13. The system of claim 11 , wherein the analysis server is configured to determine one or more risk characteristics of the property based at least upon the one or more features of the property, wherein the one or more risk characteristics comprise hurricane risk, earthquake risk, flood risk, crime risk, wildfire risk, lightning risk, hail risk, sinkhole risk, or any combination thereof of the property.
14. The system of claim 13 , wherein the analysis server is configured to execute one or more predictive models, wherein the one or more predictive models use a set of input data, wherein the input data comprises the CRM tool data, the one or more features, the one or more network images, the one or more risk characteristics, or any combination thereof.
15. The system of claim 14 , wherein the analysis server is configured to train the one or more predictive models with training data, wherein the training data mirrors the set of input data.
16. A tangible, non-transitory, machine-readable medium, comprising machine-readable instructions that when executed by one or more processors of a computer, cause the computer to:
receive a geolocation associated with a property associated with a user;
query one or more network image sources using the geolocation as a query input to identify a query output comprising one or more network images of the property, wherein the one or more network images are associated with geolocation metadata, and wherein the query output is identified by matching the query input with the geolocation metadata of the one or more network images and the geolocation metadata is received via a positional sensor associated with the one or more network image sources;
when the one or more network images are not in the one or more network image sources, transmit, via the processor, a request to one or more surveying instruments to obtain the one or more network images of the property;
send at least a first image of the one or more network images to an electronic device of a user for display in a confirmation graphical user interface (GUI) that prompts the user to provide a confirmation as to whether the at least first image depicts the property of the user;
receive the confirmation, provided from the user, via the confirmation GUI of the electronic device;
in response to the confirmation indicating that the at least first image depicts the property associated with the user, provide at least a second image of the one or more network images for image analysis to identify one or more features of the property;
perform one or more processes based at least upon a Customer Relationship Management (CRM) tool data of the user and the one or more features of the property; and
provide results of the one or more processes to the user.
17. The machine-readable medium of claim 16 , comprising machine-readable instructions that when executed by the one or more processors of the computer, cause the computer to determine one or more risk characteristics of the property based at least upon the one or more features of the property.
18. The machine-readable medium of claim 17 , comprising machine-readable instructions that when executed by the one or more processors of the computer, cause the computer to present the user with one or more options, wherein the one or more options comprise renewing an existing insurance policy, requesting an updated insurance policy, obtaining a quote for the updated insurance policy, validating an insurance claim associated with the property when loss occurs, generating an insurance to value estimate, or any combination thereof.