3D Property Inventory Capture for Faster Insurance Claims
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Solution Overview
Problem
Insurance policy holders often fail to create an inventory of their possessions, making it difficult to verify ownership and condition of property before and after incidents like fires or floods, which complicates the insurance claim process.
Innovation Solution
Utilizing virtual reality (VR), augmented reality (AR), and mixed reality (MR) tools to assist users in creating an inventory of their possessions and documenting damage, with a virtual assistant providing guidance through a wearable device that superimposes virtual elements onto the real environment.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If traditional inventory methods are used, then simplicity is maintained, but accuracy and completeness of inventory data deteriorate
Solution Approach 1:
The patent creates a virtual copy of the physical environment using VR/AR/MR technology. The system captures the three-dimensional space and generates a digital replica where objects can be identified, inventoried, and documented. This virtual copy allows for accurate inventory measurement without requiring complex physical measurement devices, as the system automatically detects and records object positions, conditions, and characteristics within the virtual representation of the environment.
2Productivity
If manual inventory creation is used, then ease of operation is maintained, but time consumption increases
Solution Approach 1:
The system enables self-service inventory creation by automatically capturing the environment through the wearable device's camera, identifying objects using image recognition algorithms, and generating the inventory list without requiring manual input. The virtual assistant provides guidance and confirms detections, but the core inventory creation process occurs autonomously. This eliminates the need for users to manually catalog each item, dramatically reducing the time required to create an accurate inventory for insurance purposes.
3Reliability
If records are kept physically, then accessibility is improved, but reliability against destruction deteriorates
Solution Approach 1:
The patent creates a durable digital copy of the inventory and property condition records stored in the virtual environment. Unlike physical papers that can be destroyed by fire, flood, or other incidents, the virtual records persist in the digital system. The wearable device captures images and data that are processed and stored as a permanent digital record, providing reliable documentation that survives physical disasters. This digital copying approach ensures record preservation while the virtual assistant and automated systems manage the complexity of data collection and storage.
4Measurement precision
If virtual reality tools are implemented, then measurement precision improves, but ease of operation worsens
Solution Approach 1:
The virtual assistant serves as an intermediary between the complex VR/AR/MR technology and the user. It provides natural language guidance, explains detected objects, confirms inventory items, and assists with claim documentation. The virtual assistant translates complex technical operations into simple, conversational interactions, allowing users to benefit from precise object identification without needing to understand or navigate complex virtual reality interfaces. This intermediary layer maintains ease of operation while enabling sophisticated measurement capabilities.
Data Source
AI summary
Techniques include receiving image data representing an environment. Based at least in part on the image data, an identity of at least one object disposed within the environment is determined. Based at least in part on the image data, an image is displayed on an electronic device. The image includes a three-dimensional representation of at least a portion of the environment, a three-dimensional representation of the at least one object, and a three-dimensional representation of an assistant providing a request related to the at least one object. A first input is received from a user of the electronic device and based at least in part on the request. An object list is generated based at least in part on the first input and the identity of the at least one object, the list including the at least one object.


