3D Property Inventory Comparison for Insurance Claim Generation
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Solution Overview
Problem
Insurance policy holders face difficulties in creating an inventory of their property and documenting claims due to the destruction of records and memory loss following incidents like fires or floods, making it challenging to verify ownership and condition of lost or damaged items.
Innovation Solution
Utilizing virtual reality (VR), augmented reality (AR), and mixed reality (MR) technologies to capture and compare three-dimensional image data before and after an incident, enabling the identification of changed objects and generating an electronic insurance claim statement through user interaction and database integration.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional inventory documentation methods are used, then record-keeping is simple, but records may be destroyed by incidents and memory loss occurs
Solution Approach 1:
The system performs preliminary actions by capturing three-dimensional image data of the environment and objects before incidents occur. This proactive documentation creates a reliable pre-incident baseline that can be compared against post-incident conditions, ensuring property inventory information is preserved even when physical records are destroyed or memory is lost.
Solution Approach 2:
The system creates digital copies of the property environment through three-dimensional image capture. These digital replicas serve as reliable records that can be stored and preserved independently of physical property conditions, allowing accurate reconstruction and comparison after incidents without relying on human memory or vulnerable physical documents.
2Measurement precision
If detailed inventory documentation is created, then claim accuracy improves, but the process becomes more complex and time-consuming
Solution Approach 1:
The system performs self-service by automatically capturing three-dimensional image data of the environment and objects without requiring manual inventory creation. The automated comparison between pre- and post-incident images generates damage assessments independently, eliminating the need for users to manually document each property item while maintaining high documentation precision.
Solution Approach 2:
The system replaces manual mechanical documentation processes with automated optical and computational systems. Three-dimensional image capture and algorithmic comparison substitute for manual inventory creation and damage assessment, reducing process complexity while enhancing measurement precision through objective digital analysis.
3Loss of information
If manual inventory creation is required, then record accuracy depends on user memory, but the process is simple to initiate
Solution Approach 1:
The system creates comprehensive digital copies of the property environment through automated three-dimensional image capture. This eliminates reliance on user memory by objectively recording all visible objects and their conditions, ensuring complete inventory documentation without requiring users to manually recall or list every property item.
Solution Approach 2:
The system performs self-service inventory creation by automatically capturing and processing images of the environment. This eliminates the burden on users to manually create inventories while maintaining completeness, as the automated system independently documents all observable property without requiring user recall or input.
4Measurement precision
If three-dimensional image comparison is performed, then damage identification accuracy improves, but processing time increases
Solution Approach 1:
The system performs self-service damage identification by automatically comparing pre- and post-incident three-dimensional images. The automated comparison algorithm independently identifies changes and damage without requiring manual inspection, maintaining high accuracy while reducing the time users must spend on claim preparation through efficient computational analysis.
Solution Approach 2:
The system replaces manual damage inspection with automated computational comparison of three-dimensional images. This substitution maintains measurement precision through objective digital analysis while significantly reducing processing time by eliminating manual examination, allowing rapid generation of damage assessments for claim preparation.
Data Source
AI summary
Techniques include generating an electronic insurance claim statement. First three-dimensional image data representing an environment and a first plurality of objects disposed within the environment at a first time, is received at the first time. Second three-dimensional image data, representing the environment at a second time, is received at the second time. A difference is determined between the first three-dimensional image data and the second three-dimensional image data. An object is identified based at least in part on the difference. An electronic device displays a three-dimensional image of the environment based at least in part on at least one of the first and second three-dimensional image data, including a three-dimensional rendering of the object. An input is received and the electronic insurance claim statement is generated, including at least an identification of the object and an indication of the difference, based at least in part on the input.