Granted Patent B1

US 12,626,307 · App. 18/470,259 · Granted May 12, 2026

Inventors: Christian T. Kang (Normal, IL); Ross Wheeler (Scottsdale, AZ); Kaleb W. Ringenberg (East Peoria, IL); Dustin Helland (Morton, IL); Ashish Sawhney (Bloomington, IL); Anjela Spreen (Hewitt, TX); Benjamin L. Clawson (Bloomington, IL); Douglas L. Dewey (Bloomington, IL); Joshua M. Mast (Bloomington, IL); Hanpei Zhang (Mesa, AZ)

Assignee: State Farm Mutual Automobile Insurance Company

G06Q40/08

Abstract

Claims (44)

1 . A roof assessment (RA) 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:

store a roof assessment model within the at least one memory, the roof assessment model configured to determine, prior to a weather event occurring, a projected roof status of a selected roof after experiencing the weather event, wherein the roof assessment model is trained using historical weather incident data and historical roof structural data;

output from the roof assessment model target weather event parameters for the selected roof that include weather event parameters resulting in a projected damaged roof status for the selected roof that includes repairable damage to the selected roof;

store, in the at least one memory, the target weather event parameters for the selected roof, a geographic location of the selected roof, and a policy that is triggered based upon the target weather event parameters occurring;

receive weather data from a weather source computer system via one or more application programming interfaces (APIs), the weather data representing a first weather event at the geographic location;

determine that the first weather event occurred at the geographic location and has first weather event parameters that meet the target weather event parameters based upon the weather data;

based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters, transmit a notification to a user computing device associated with the selected roof advising that the selected roof has experienced the first weather event comprising the first weather event parameters that meet the target weather event parameters for triggering the policy;

cause display, on the user computing device, of one or more data fields associated with receiving settlement for triggering the policy; and

automatically input the one or more data fields to complete settlement for the triggering of the policy.

2 . The RA computing device of claim 1 , wherein the at least one processor is further programmed to receive the first weather event parameters via the one or more APIs.

3 . The RA computing device of claim 1 , wherein the at least one processor is further programmed to train the roof assessment model using the historical weather incident data and the historical roof structural data.

4 . The RA computing device of claim 3 , wherein the at least one processor is further programmed to re-train the roof assessment model using updated historical weather incident data and updated historical roof structural data.

5 . The RA computing device of claim 1 , wherein in response to transmitting the notification, the at least one processor is further programmed to receive an input from the user computing device requesting that a claim associated with the policy be generated and processed.

6 . The RA computing device of claim 5 , wherein the at least one processor is further programmed to cause the claim to be filed.

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

store a roof assessment model in memory, the roof assessment model configured to determine, prior to a weather event occurring, a projected roof status of a selected roof after experiencing the weather event, wherein the roof assessment model is trained using historical weather incident data and historical roof structural data;

output from the roof assessment model target weather event parameters for the selected roof that include weather event parameters resulting in a projected damaged roof status for the selected roof that includes repairable damage to the selected roof;

store, in the memory, the target weather event parameters for the selected roof, a geographic location of the selected roof, and a policy that is triggered based upon the target weather event parameters occurring;

receive weather data from a weather source computer system via one or more application programming interfaces (APIs), the weather data representing a first weather event at the geographic location;

determine that the first weather event occurred at the geographic location and has first weather event parameters that meet the target weather event parameters based upon the weather data;

based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters, transmit a notification to a user computing device associated with the selected roof advising that the selected roof has experienced the first weather event comprising the first weather event parameters that meet the target weather event parameters for triggering the policy;

cause display, on the user computing device, of one or more data fields associated with receiving settlement for triggering the policy; and

automatically input the one or more data fields to complete settlement for the triggering of the policy.

8 . The at least one non-transitory computer-readable storage media of claim 7 , wherein the computer-executable instructions further cause the at least one processor to receive the first weather event parameters via the one or more APIs.

9 . The at least one non-transitory computer-readable storage media of claim 7 , wherein the computer-executable instructions further cause the at least one processor to train the roof assessment model using the historical weather incident data and the historical roof structural data.

10 . The at least one non-transitory computer-readable storage media of claim 9 , wherein the computer-executable instructions further cause the at least one processor to re-train the roof assessment model using updated historical weather incident data and updated historical roof structural data.

11 . The at least one non-transitory computer-readable storage media of claim 7 , wherein in response to transmitting the notification, the computer-executable instructions further cause the at least one processor to receive an input from the user computing device requesting that a claim associated with the policy be generated and processed.

12 . The at least one non-transitory computer-readable storage media of claim 11 , wherein the computer-executable instructions further cause the at least one processor to cause the claim to be filed.

13 . A computer-based method implemented by at least one processor in communication with at least one memory, the computer-based method comprising:

storing a roof assessment model within a memory, the roof assessment model configured to determine, prior to a weather event occurring, a projected roof status of a selected roof after experiencing the weather event, wherein the roof assessment model is trained using historical weather incident data and historical roof structural data;

outputting from the roof assessment model target weather event parameters for the selected roof that include weather event parameters resulting in a projected damaged roof status for the selected roof that includes repairable damage to the selected roof;

storing, in the memory, the target weather event parameters for the selected roof, a geographic location of the selected roof, and a policy that is triggered based upon the target weather event parameters occurring;

receiving weather data from a weather source computer system via one or more application programming interfaces (APIs), the weather data associated with a first weather event at the geographic location;

determining that the first weather event occurred at the geographic location and has first weather event parameters that meet the target weather event parameters based upon the weather data;

based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters, transmitting a notification to a user computing device associated with the selected roof advising that the selected roof has experienced the first weather event comprising the first weather event parameters that meet the target weather event parameters for triggering the policy;

causing display, on the user computing device, of one or more data fields associated with receiving settlement for triggering the policy; and

automatically inputting the one or more data fields to complete settlement for the triggering of the policy.

14 . The computer-based method of claim 13 , further comprising receiving the first weather event parameters via the one or more APIs.

15 . The computer-based method of claim 13 , further comprising training the roof assessment model using the historical weather incident data and the historical roof structural data.

16 . The computer-based method of claim 15 , further comprising re-training the roof assessment model using updated historical weather incident data and updated historical roof structural data.

17 . The computer-based method of claim 13 , further comprising:

receiving an input from the user computing device requesting that a claim associated with the policy be filed; and

causing the claim to be filed.

18 . The RA computing device of claim 1 , wherein the at least one processor is further programmed to transmit the notification only based upon the first weather event occurring at the geographic location and the first weather event parameters meeting the target weather event parameters and without receiving inspection data associated with an in-person or electronic inspection of the selected roof.

Assignments (2)

Continuity (3)

References Cited (61)