Home Scoring Using Internal and External Property Data

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Solution Overview

Problem

Existing systems for determining home scores and subscores are inaccurate due to reliance on either internal or external data alone, lacking comprehensive assessment that integrates both types of data for improved accuracy.

Innovation Solution

A method and system that generates home scores and subscores based on both internal and external data, utilizing a combination of sensors, processors, and AI/ML to analyze attributes such as safety, structural, plumbing, and HVAC conditions, integrating imagery and sensor data from within and outside the property.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Device complexity

If only internal data is used to determine home scores, then the system is simpler to implement, but the accuracy of home score assessment deteriorates

Engineering Contradiction:
Improvesystem complexityVSAvoidhome score accuracy
Core Design Contradiction:
Device complexityVSMeasurement precision

Solution Approach 1:

The patent combines internal data (from sensors inside the home) and external data (from sources like weather stations, crime statistics, and geographic information) into a unified home scoring system. This merging of multiple data sources resolves the contradiction by achieving higher measurement precision through comprehensive data integration while managing system complexity through a structured framework for data collection, processing, and scoring.

Inventive Principle:
Principle #5Merging (Combining)

2Ease of manufacture

If only external data is used to determine home scores, then data collection is easier, but the reliability of home score assessment deteriorates

Engineering Contradiction:
Improvedata collection easeVSAvoidhome score reliability
Core Design Contradiction:
Ease of manufactureVSReliability

Solution Approach 1:

The patent segments the home scoring system into distinct components: internal data collection (using sensors for temperature, humidity, air quality, motion detection), external data collection (from third-party sources), and integrated processing. This segmentation allows each component to be optimized independently - internal sensors provide reliable property-specific data while external sources provide contextual information, together achieving high reliability without requiring all data collection to be equally complex.

Inventive Principle:
Principle #1Segmentation

3Measurement precision

If comprehensive internal and external data integration is implemented, then home score accuracy improves, but the device complexity increases

Engineering Contradiction:
Improvehome score accuracyVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent creates a multi-functional home scoring system that can process various types of data (environmental sensors, security systems, weather data, crime statistics, geographic information) through a unified framework. The system adapts to different home types and data availability scenarios, providing accurate scoring while managing complexity through standardized processing routines and configurable parameters that work across diverse situations.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS20260017735A1Home scores determined from internal and external home data
Publication Date: 2026.01.15 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US20260017735A1 patent drawing
  • US20260017735A1 patent drawing
  • US20260017735A1 patent drawing

AI summary

The following relates generally determining a home score based upon internal data (e.g., data corresponding to an inside of a structure, such as a home, on a property, etc.) and/or external data (e.g., data corresponding to an outside of the structure, etc.). In some embodiments, one or more processors: receive a plurality of attributes of a subject property, wherein the plurality of attributes were determined based upon internal data of a subject property and external data of the subject property; generate, based upon the plurality of attributes, for the subject property, a plurality of subscores; generate an overall home score for the subject property based upon the plurality of subscores; and/or display, on a display, the overall home score and/or the plurality of subscores.