Loss analysis system and process

Abstract

The invention relates to a disaster analysis system in a dwelling (H) or premises, comprising: - at least one three-dimensional scanner (S) configured to produce a three-dimensional image of the interior and / or exterior of the dwelling (H) or premises; - at least one crack evolution sensor (M) to assess the evolution of at least one crack (F); - at least one drone (D) equipped with at least one capture device to capture at least one image of the exterior of the dwelling (H) or premises; - preferably at least one means for evaluating meteorological, hydrological, seismological, piezometric and / or geological data; and - at least one time-stamping device (T) connectable to the scanner (S), the sensor (M), the drone (D), and said means for evaluating meteorological, hydrological, seismological, piezometric and / or geological data to produce time-stamped reports. The invention also relates to a method based on such a system.Figure from the summary: Fig. 2.

Description

Title of the invention: System and method for analyzing losses

[0001] The invention relates to the field of systems and methods for analyzing claims and in particular claims for damages according to the insurance code, and the production of conclusive technical reports.

[0002] This type of loss generally involves cracks and other damage in a building, which should be able to be assessed technically by tangible evidence, in order to objectively estimate the qualitative and quantitative extent of the current and evolving damage, and to make a precise calculation thereof.

[0003] The invention finds application particularly in the evaluation and probative value of analyses performed, especially to obtain certain insurance compensation, by considering a technical causal link between the damage and the compensation. These elements must be demonstrated by irrefutable evidence, within the shortest possible time.

[0004] This type of damage may be related to a natural disaster claim and / or a ten-year warranty and / or civil liability insurance

[0005] In the prior art, crack analysis devices have been provided which make it possible to evaluate the extent of a crack.

[0006] Unfortunately, these prior art devices are not fully satisfactory for an overall assessment of the loss and the production of conclusive technical reports.

[0007] Thus, an objective of the present invention is to remedy the defects of the prior art, and in particular to propose a comprehensive and objective solution for assessing the loss, including conclusive technical reports that can serve as certain proof of the damage suffered, within shorter timeframes.

[0008] To achieve these objectives, the invention proposes a disaster analysis system for a dwelling or premises, comprising: - at least one three-dimensional scanner configured to produce a three-dimensional image of the inside and / or outside of the dwelling or premises; - at least one crack evolution sensor to assess the evolution of at least one crack; - at least one drone equipped with at least one capture device to capture at least one image of the outside of the dwelling or premises; - preferably at least one means of evaluating meteorological, hydrological, seismological, piezometric and / or geological data; and - at least one time-stamping device (T) connectable to the scanner (S), the sensor (M), the drone (D), and preferably to the meteorological data evaluation means, hydrological, seismological, piezometric and / or geological data to produce time-stamped reports.

[0009] The evaluation means may include an in situ meteorological measurement device for outdoor air temperature; an in situ hydrological measurement device for outdoor climate; and / or an in situ geological measurement device for volumetric moisture in soils and other porous materials.

[0010] Advantageously, the invention makes it possible to obtain images of the inside and outside of the building, of the position of the cracks, an evaluation of the evolution of the crack, this data being time-stamped so that it can be conclusive.

[0011] The term "premises" may be understood to mean an industrial premises, a collective residential establishment, a public establishment or a place of worship or any establishment affected by a material damage claim that may be covered by an insurance guarantee that may give rise to the payment of compensation.

[0012] Seismological data makes it possible to take into account ground vibrations that generate mechanical shocks in the structure of the dwelling or premises. This data can be obtained using a seismograph, for example.

[0013] Piezometric data allows for the consideration of groundwater movement beneath the dwelling or building. This movement affects the structure of the dwelling or building. This data can be obtained, for example, using piezometers.

[0014] The invention allows for real-time monitoring of the evolution of disorders, cracks and damage, for a precise determination of the origin of the causal link and an estimation of the damages in relation to the insured loss.

[0015] The invention incorporates convincing means for repairing damages in continuity with the expert assessment process, in a phase of housing renovation allowing the service to be extended through energy renovation of the building concerned.

[0016] The in situ outdoor temperature measurement sensor makes it possible to evaluate the influence of air temperature on damage related to the building such as the effect of thermal expansion.

[0017] Said means of evaluation may include a hygrometer and a weather station enabling the evaluation of precipitation and the projection of precipitation in the past.

[0018] This makes it possible to assess the influence of rain and local humidity on the damage.

[0019] Said evaluation means may include an in situ measurement sensor of volumetric moisture in soils and other porous materials, such as the effect of soil compressibility.

[0020] This makes it possible to evaluate the influence of volumetric humidity and soil temperature on damage, such as the effect of soil compression and differential soil settlement since the soil undergoes a decrease in volume corresponding to the volume of water expelled.

[0021] According to one variant, said time-stamping device is also connectable to a trusted third-party time-stamping system. This is, for example, a time-stamping and electronic document system used by bailiffs or judicial officers, or a solution dedicated to facilitating and democratizing the collection of evidence to guarantee its origin and integrity.

[0022] This helps to improve the probative aspect of the reports.

[0023] According to one variant, said timestamping device and / or timestamping system includes blockchain computing modules and / or artificial intelligence computing modules.

[0024] The digital trusted third party can store digital data in an integral and long-term manner from capture to data retention.

[0025] Blockchain modules make it possible to secure information so that it is not easily accessible to third parties.

[0026] According to one variant, the disaster analysis system further includes at least one device for analyzing water drainage networks of the dwelling or premises, said time-stamping device being further connectable to said drainage network analysis device.

[0027] This allows for an assessment of current or future water damage in the loss analysis.

[0028] According to one variant, the loss analysis system further includes at least one soil investigation device, said time-stamping device being further connectable to said soil investigation device.

[0029] This allows for a risk assessment of the structure of the dwelling or premises.

[0030] According to one variant, said capture device includes a thermal imaging camera.

[0031] This allows recording of energy loss gradients in the external environment of the dwelling or premises.

[0032] Another object of the invention relates to a method for analyzing damage in a dwelling or premises, by means of a damage analysis system according to the invention, the analysis method comprising: - an acquisition step to create a three-dimensional image of the interior and / or exterior of the dwelling or premises; - a crack evolution detection step to assess the evolution of at least one crack; - an external acquisition step to capture at least one image of the outside of the dwelling or premises; - at least one time-stamping step for elements from previous steps to generate time-stamped reports; and - preferably at least one stage of evaluation of meteorological, hydrological, seismological, piezometric and / or geological data.

[0033] According to one variant, the said timestamping step is carried out by means of a trusted third party, preferably a bailiff.

[0034] According to one variant, the disaster analysis process further includes at least one step of analyzing water drainage networks of the dwelling or premises.

[0035] According to one variant, the disaster analysis process further includes at least one soil study stage.

[0036] The invention will be further detailed by describing non-limiting embodiments, and based on the accompanying figures illustrating preferred embodiments of the invention, in which: - [Fig.1] schematically illustrates a front view of several dwellings where the system according to a preferred embodiment of the invention is implemented; - [Fig.2] schematically illustrates a close-up view of a dwelling in [Fig.1].

[0037] The invention relates to a system and a method for analyzing claims, enabling the generation of reports that are convincing and representative of reality.

[0038] The means used in the invention combine technical, legal, digital and artificial intelligence aspects to establish proof of damage to a dwelling, in particular to demonstrate a direct and indisputable technical causal link before a judge for the purpose of claiming compensation from an insurer.

[0039] Furthermore, the invention allows for immediate and rapid consideration of the repair of the cause and consequences of each insured loss.

[0040] The techniques employed are more elaborate, precise, innovative, and efficient than those in the prior art. They are coupled with analysis and generation tools using blockchain in the preferred variant. They contribute to perfect visibility over all stages of the process and the digital data, in real time.

[0041] The system hardware is as follows in a preferred variant: - an electronic sensor M, for example from the brand FEELBAT™; - a metrology device, for example from the SDEC™ brand; - a 3D S laser scanner, for example from the FARO™ brand; - a D drone; - a T-time stamping device preferably coupled with a bailiff's proof system, such as the SMARTPREUVE™ solution, for example implemented using a mobile device such as a phone, tablet or other; - local or remote inspection, control and audit software, for example from the INSPECTO™ brand with an artificial intelligence module.

[0042] A device for collecting meteorological, hydrological, or geological data may be provided to allow the triangulation of meteorological, hydrological, or geological data on the days of periods of damaging events such as drought (or other natural or accidental phenomena) and the days on which soil samples are taken for analysis of water content and ambient temperature. These data are compared to results obtained in situ on different dates, which allows for a better understanding of the climatic influence of the water content index, the geological quality of the soil, and the ambient temperature obtained on a given date, thus explaining the consistency of the sampling measurement.

[0043] The implementation of the invention is carried out as follows, with reference to [Fig. 3]. This can be described as a claims analysis method. Reference A designates an insured party, and B designates an expert using the invention.

[0044] The first step El includes a 3D scan of the interior of the dwelling H, using the 3D laser scanner S, preferably by a geomatics specialist.

[0045] The second step E2 includes the installation of an electronic sensor M for monitoring and recording the evolution of the cracks F and the temperature (at several dates and times).

[0046] The third step E3 includes a timestamping by bailiff of the elements of the previous steps, to preserve evidence.

[0047] The fourth step, E4, involves preparing a descriptive statement and assessment of the material damage, which is then sent to the owner and discussed with the party responsible for compensating the material damage (e.g., an insurer covering material damage under an insurance policy). Additional documents are preferably included. These consist of a technical report of the defects / damage (showing a previous and current state of the defects / damage), a quantitative description of the defects / damage, and a diagram illustrating the defects / damage.

[0048] The fifth step E5 includes an analysis of the rainwater and wastewater drainage networks, using a corresponding AE analysis device.

[0049] The sixth step E6 includes a soil study, for example of type G1 or G2 according to the Afnor NF-P 94-500 standard, or an analysis of the soil study provided by the owner, to assess the underpinning repairs. A corresponding AS study device is provided for this purpose.

[0050] The seventh step E7 includes a timestamping by bailiff of the samples taken on the site.

[0051] The eighth step E8 includes a generation of findings, or technical descriptive statements or time-stamped and / or certified minutes by a judicial officer.

[0052] The ninth step E9 includes a recording of the external environment by a drone D optionally equipped with a thermographic camera offering the following benefits: - knowledge of the environment of the damaged building by the state of the vegetation V; - individual communication with the neighborhood; - emotional resilience to initiate the reparative phase of the owner's psychological profile; - the establishment of legal evidence, because drone D records all the defects of the building that the operator could not have seen in normal analysis, with tracking of external defects by time stamping; - an advantage in terms of energy renovation, because the D drone records the loss gradients by thermographic process.

[0053] The tenth step, E10, involves using a dedicated application for assessing and measuring outside temperature, providing valuable information on the climatic influence of the assessment site on the building being assessed. This type of measurement is of great interest during the assessment of a loss.

[0054] The eleventh step, Eli, involves using a dedicated application for analyzing and triangulating meteorological data from the days of the damaging events of drought and the days of soil sampling for water content analysis. This data is then compared to results obtained in situ on different dates, providing a better understanding of the water content index obtained on a given date and explaining the consistency of the in situ sampling measurement. This type of measurement is of great interest during damage assessment.

[0055] The twelfth step, E12, involves using a dedicated application for assessing and measuring water content based on soil sampling depth, providing valuable information on the water content of the surface layers at the time of measurement, and consequently, their potential water deficit and the degree of soil moisture at the time of measurement. This data obtained These measurements are compared to meteorological, hydrological, and geological results obtained in situ on different dates, allowing for a better understanding of the water content index obtained on a given date and explaining the consistency of the sampling measurement. This type of measurement is of great interest during damage assessments.

[0056] In particular, the invention comprises a computer module including an augmented reality implementation module and preferably an artificial intelligence module. This computer module includes a projection means for projecting pre-recorded damage / cracks onto a wall and / or projecting the building with its pre-recorded damage / cracks. This information is pre-recorded from data from one or more of the following: sensor M, scanner S, drone D.

[0057] This is more specifically a tool which increases the revelation of a crack on a wall or on a support at a distance of nearly 5 meters by drawing the profile of the crack until an orientation, an opening and a possible technical cause of occurrence of this crack can be defined.

Claims

Demands

1. A disaster analysis system for a dwelling (H) or premises, comprising: - at least one three-dimensional scanner (S) configured to produce a three-dimensional image of the interior and / or exterior of the dwelling (H) or premises; - at least one crack evolution sensor (M) to assess the evolution of at least one crack (F); - at least one drone (D) equipped with at least one capture device to capture at least one image of the exterior of the dwelling (H) or premises; - preferably at least one means for evaluating meteorological, hydrological, seismological, piezometric and / or geological data; and - at least one time-stamping device (T) connectable to the scanner (S), the sensor (M), the drone (D), and preferably to said means for evaluating meteorological, hydrological, seismological, piezometric and / or geological data to produce time-stamped reports.

2. A claims analysis system according to the preceding claim, characterized in that said time-stamping device (T) is further connectable to a trusted third-party time-stamping system.

3. A claims analysis system according to any one of the preceding claims, characterized in that said timestamping device (T) and / or timestamping system comprises blockchain computing modules and / or artificial intelligence computing modules.

4. A loss analysis system according to any one of the preceding claims, further comprising at least one drainage network analysis device (AE) of the dwelling (H) or premises, said time-stamping device (T) being further connectable to said drainage network analysis device (AE).

5. A loss analysis system according to any one of the preceding claims, further comprising at least one soil investigation device (AS), said time-stamping device (T) being further connectable to said soil investigation device (AS).

6. A loss analysis system according to any one of the preceding claims, characterized in that said capture device comprises a thermal imaging camera.

7. A method for analyzing damage in a dwelling (H) or premises, using a damage analysis system according to one of the preceding claims, the analysis method comprising: - an acquisition step to obtain a three-dimensional image of the interior and / or exterior of the dwelling (H) or premises; - a crack evolution detection step to assess the evolution of at least one crack (F); - an external acquisition step to capture at least one image of the exterior of the dwelling (H) or premises; - at least one time-stamping step of elements from the preceding steps to produce time-stamped reports; and - preferably at least one step for evaluating meteorological, hydrological, seismological, piezometric and / or geological data.

8. A loss analysis method according to the preceding claim, characterized in that said time-stamping step is carried out by means of a trusted third party, preferably a bailiff.

9. A method for analyzing a loss according to any one of claims 7 to 8, further comprising at least one step of analyzing water drainage networks of the dwelling (H) or premises.

10. A method for analyzing a loss according to any one of claims 7 to 9, further comprising at least one soil investigation step.

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