AR Property Visualization for Pre-Disaster Loss Assessment
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Solution Overview
Problem
Consumers and insurance providers face difficulties in quantifying or visualizing damage to properties before or after natural disasters due to outdated documentation and the challenge of accurately assessing risk and loss, which complicates insurance processes.
Innovation Solution
An augmented reality system that generates and displays Enhanced Situation Visualization (ESV) on user computing devices, using reference databases to overlay risk information and loss estimates onto real-time views of properties, facilitating efficient insurance-related activities.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If traditional documentation and assessment methods are used, then the insurance process can be completed, but the accuracy and efficiency of damage quantification and risk assessment deteriorate due to outdated information and difficulty in visualization
Solution Approach 1:
The patent transitions from traditional 2D documentation to 3D augmented reality visualization. The system captures 3D images and videos of properties, creates three-dimensional models, and overlays disaster simulation data in spatial context. This dimensional transformation enables accurate damage quantification by providing volumetric measurements and spatial relationships that flat documentation cannot convey, while reducing assessment time through intuitive visual comparison of pre- and post-disaster states.
Solution Approach 2:
The system creates virtual copies of properties through 3D modeling and augmented reality overlays. These digital twins serve as accurate representations that can be manipulated, measured, and compared without physically inspecting the actual property. The virtual models capture precise geometric and contextual information, enabling remote assessment and reducing the time required for on-site evaluations while maintaining high measurement accuracy.
2Measurement precision
If extensive research and documentation review are conducted to accurately assess property damage, then measurement precision improves, but device complexity and operational difficulty increase
Solution Approach 1:
The system enables assessors to perform comprehensive damage evaluations using portable computing devices that integrate multiple functions. The device automatically captures 3D images, retrieves property information from databases, generates visualizations, and calculates damage estimates without requiring separate tools or extensive manual research. This self-contained approach maintains high assessment accuracy while significantly improving ease of operation by consolidating complex processes into a single user-friendly interface.
Solution Approach 2:
The portable computing device serves multiple functions: capturing 3D imagery, accessing property databases, generating augmented reality visualizations, performing damage calculations, and producing reports. This multi-functional integration eliminates the need for separate equipment for each assessment task, reducing operational complexity while maintaining comprehensive assessment capabilities and high measurement precision across different disaster types and property conditions.
3Measurement precision
If detailed property documentation is maintained to improve risk assessment accuracy, then measurement precision improves, but the complexity of managing and updating documentation increases
Solution Approach 1:
The system replaces manual documentation management with automated digital processes. Portable computing devices automatically capture property data through 3D imaging, retrieve information from integrated databases, and update records in real-time. This substitution of mechanical documentation practices with automated digital systems maintains precise risk assessment accuracy while eliminating the complexity of manual document creation, storage, and updating. The system continuously maintains current property information without requiring active management intervention.
Data Source
AI summary
An augmented reality (AR) system for generating and displaying a pre-disaster Enhanced Situation Visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image and/or GPS location of a property. The ESV computing device may determine the subject of the image is the property, retrieve reference information including peril maps associated with the property from the reference database, and determine situation information specific to the subject. The reference and situation information including a loss estimate may be displayed on the user computing device to provide an ESV of the property. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating an insurance policy, premium, and/or discount, and/or generating insurance-related recommendations.