Aerial Image Processing for Property Damage Assessment
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Solution Overview
Problem
Current insurance response systems rely heavily on initial claims data and site assessments, which can be inaccurate and delayed due to inaccessible storm damage locations, hindering timely and effective resource deployment.
Innovation Solution
A computer-implemented method and system utilizing aerial platforms to capture and process image data, comparing pre- and post-event conditions of properties to assess damage severity levels, enabling remote damage assessment and resource allocation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If initial claims data and site assessments are used to assess damage, then resource deployment can be coordinated, but the assessment accuracy deteriorates and time delay increases due to inaccessible storm damage locations
Solution Approach 1:
The patent transitions from ground-based assessment to aerial satellite imagery, changing the dimensional perspective from which damage is observed. This allows assessment of inaccessible areas from above, simultaneously improving both accuracy and speed by bypassing physical access constraints
Solution Approach 2:
The system uses satellite images as copies of the actual damaged properties, creating visual replicas that can be analyzed without physically accessing the sites. These image copies enable accurate damage assessment while eliminating time delays associated with on-site visits
2Loss of information
If representatives physically access storm damage sites to assess damage, then accurate damage information can be obtained, but the time required for assessment increases and accessibility becomes limited
Solution Approach 1:
Satellite images serve as accessible copies of damaged properties, allowing representatives to view and assess damage without physically traveling to inaccessible sites. This maintains information accuracy while dramatically improving ease of access
Solution Approach 2:
The satellite imaging system acts as an intermediary between the damaged properties and the representatives, transmitting visual information about damage conditions without requiring direct physical contact with the affected sites
3Productivity
If initial claims data from insured parties is relied upon, then resource coordination can begin immediately, but the reliability of damage information deteriorates due to potential inaccuracies in self-reported data
Solution Approach 1:
The system implements feedback by comparing satellite imagery evidence with initial claims data, validating or correcting self-reported information. This maintains rapid resource deployment while improving reliability through objective visual verification
Solution Approach 2:
Satellite image copies provide independent verification of claims data, allowing rapid assessment of reported damage without requiring follow-up site visits. The visual copies confirm or refute initial claims, ensuring both speed and accuracy
Data Source
AI summary
A computer-implemented method for assessing damage to a plurality of properties is provided. After an occurrence of an event that is a potential cause of insured losses, image data depicting an aerial view of the properties may be received from an aerial platform. The image data may be processed to determine a subsequent condition of each property after occurrence of the event. Further, a damage severity level may be determined for each property, and used to display a map depicting different regions having properties with different respective damage severity levels.