IP Library Granted Patent US 12,026,786
Granted Patent B2
US 12,026,786 · App. 18/307,254 · Granted Jul 2, 2024

Technologies for using image data analysis to assess and classify hail damage

Inventors: Marigona Bokshi-Drotar (McKinney, TX); Jing Wan (Allen, TX); Sandra Kane (Garland, TX); Yuntao Li (Champaign, IL)
Assignee: State Farm Mutual Automobile Insurance Company
G06Q40/08G06F18/2148G06N3/08G06Q50/16G06T7/0002G06V10/25G06V10/26G06V10/54G06V10/56G06V10/764G06V10/82G06V20/10G06V20/176G06T2207/20084G06V20/17
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Quick Facts
Patent No.
US 12,026,786
App. No.
18/307,254
Granted
Jul 2, 2024
Kind
B2
Abstract

Systems and methods for analyzing image data to assess property damage are disclosed. According to certain aspects, a server may analyze segmented digital image data of a roof of a property using a convolutional neural network (CNN). The server may extract a set of features from a set of regions output by the CNN. Additionally, the server may analyze the set of features using an additional image model to generate a set of outputs indicative of a confidence level that actual hail damage is depicted in the set of regions.

Claims (50)

1. A computer-implemented method, comprising:

accessing a digital image;

identifying, by a processor and using a convolutional neural network (CNN), a region of potential damage depicted in the digital image;

identifying, by the processor, a color feature indicative of potential damage and illustrated within the region of potential damage by:

determining a first section of the digital image within the region of potential damage and a second section of the digital image outside of the region of potential damage; and

identifying the color feature within at least one of the first section or the second section based at least in part on a color skewness determined using a histogram that represents color statistics for colors depicted within the first section and the second section; and

generating, by the processor, using a classification model, and based at least in part on the color feature, an output indicating a presence of damage associated with the region of potential damage, wherein the output is used to automatically determine an estimated damage amount.

2. The computer-implemented method of claim 1 , wherein the color statistics represent one or more of a color mean value, a color skewness value, or a color variation value.

3. The computer-implemented method of claim 1 , further comprising:

training the CNN using training data comprising training images and training labels, wherein the trained CNN is configured to:

determine a classification for the digital image based at least in part on at least one of the training images or the training labels, and

generate an image depicting the region of potential damage based at least in part on the classification.

4. The computer-implemented method of claim 3 , wherein:

the training images comprise at least a first image that depicts damage and a second image that does not depict the damage; and

the training labels comprise data identifying a portion of the first image as a first region depicting the damage and identifying a remaining portion of the first image as a second region not depicting the damage, the remaining portion excluding the first region depicting the damage.

5. The computer-implemented method of claim 1 , wherein identifying the color feature comprises determining that the color feature is associated with a color variation that meets or exceeds a threshold value.

6. The computer-implemented method of claim 1 , wherein the digital image is determined based at least in part on a set of digital images using a sliding window technique.

7. The computer-implemented method of claim 1 , wherein the output comprises a set of binary outputs indicating whether damage is represented in the color feature.

8. The computer-implemented method of claim 1 , wherein generating the output using the classification model comprises:

inputting, by the processor, the color feature into the classification model; and

assigning a confidence level to the output based at least in part on a likelihood of the color feature indicating the presence of damage in the digital image.

9. A system, comprising:

a memory configured to store non-transitory computer executable instructions; and

a processor interfacing with the memory, and configured to execute the non-transitory computer executable instructions, wherein execution of the instructions causes the processor to:

access a digital image;

identify, using a convolutional neural network (CNN), a region of potential damage depicted in the digital image;

identify a color feature indicative of potential damage and illustrated within the region of potential damage by:

determining a first section of the digital image within the region of potential damage and a second section of the digital image outside of the region of potential damage; and

identifying the color feature within at least one of the first section and the second section based at least in part on color skewness determined using a histogram that represents color statistics for colors depicted within the first section and the second section; and

generate, using a classification model and based at least in part on the color feature, an output indicating a presence of damage associated with the region of potential damage, wherein the output is used to automatically determine an estimated damage amount.

10. The system of claim 9 , wherein the color statistics represent one or more of a color mean value, a color skewness value, or a color variation value.

11. The system of claim 9 , wherein to generate the output using the classification model, the processor is configured to:

input the color feature into the classification model to generate a set of binary outputs indicating whether damage is represented in the color feature.

12. The system of claim 9 , wherein identifying the color feature is based at least in part on determining that the color feature is associated with a color variation that meets or exceeds a threshold value.

13. The system of claim 9 , wherein the output is further based at least in part on a shape feature extracted from the digital image.

14. The system of claim 9 , wherein to generate the output using the classification model, the processor is configured to:

input the color feature into the classification model; and

generate a confidence level based on a likelihood of the color feature indicating the presence of damage in the digital image.

15. A non-transitory computer-readable storage medium configured to store instructions, the instructions when executed by a processor causing the processor to perform operations comprising:

accessing a digital image;

identifying, using a convolutional neural network (CNN), a region of potential damage depicted in the digital image;

identifying, a color feature indicative of potential damage and illustrated within the region of potential damage by:

determining a first section of the digital image within the region of potential damage and a second section of the digital image outside of the region of potential damage; and

identifying the color feature within at least one of the first section and the second section based at least in part on a color skewness determined using a histogram that represents color statistics for colors depicted within the first section and the second section; and

generating, using a classification model, and based at least in part on the color feature, an output indicating a presence of damage associated with the region of potential damage, wherein the output is used to automatically determine an estimated damage amount.

16. The non-transitory computer-readable storage medium of claim 15 , wherein the digital image is determined based at least in part on a set of digital images segmented using a sliding window technique.

17. The non-transitory computer-readable storage medium of claim 15 , wherein the output comprises a confidence level associated with the presence of damage in the digital image.

18. The non-transitory computer-readable storage medium of claim 15 , wherein the output is further based at least in part on a shape feature determined from the digital image.

19. The non-transitory computer-readable storage medium of claim 15 , wherein identifying the color feature is further based at least in part on determining that the color skewness meets or exceeds a threshold value.

20. The non-transitory computer-readable storage medium of claim 15 , wherein the output indicating the presence of damage comprises an indication of hail damage to the region of potential damage.

Assignments (3)
SECURITY INTEREST Recorded Oct 20, 2025
From: ROOFR INC.
To: STIFEL BANK
Reel/Frame 072598/0354 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 21, 2025
From: STATE FARM MUTUAL AUTOMOBILE INSURANCE CO.
To: ROOFR INC.
Reel/Frame 072083/0039 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 13, 2024
From: BOKSHI-DROTAR, MARIGONA; WAN, JING; KANE, SANDRA; LI, YUNTAO
To: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Reel/Frame 066573/0842 →
Continuity (3)
Continuation 17199203 · Mar 11, 2021
Continuation 16175126 · Oct 30, 2018
Related Publication 20230260276A1 · Aug 17, 2023