Neural Network Training for Property Damage Estimation

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Solution Overview

Problem

Insurance companies rely on manual processes for property damage estimation, which are time-consuming and inefficient, necessitating the development of automated solutions for expedited and streamlined damage prediction.

Innovation Solution

An intelligent prediction system utilizing a neural network model that switches between synthetic and real images for training, with the ability to freeze inactive class training, to analyze and predict property damage, thereby automating the estimation process.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If manual processes are used for property damage estimation, then accuracy and reliability can be maintained through human expertise, but time consumption and processing efficiency deteriorate

Engineering Contradiction:
Improvedamage estimation accuracyVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent replaces the manual mechanical process of human specialists reviewing images with an automated computer vision system using neural networks. The system processes images through trained models that automatically detect and classify damage, eliminating the need for human manual inspection while maintaining estimation accuracy through algorithmic analysis of visual data.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent transforms the estimation process by changing the operational parameters from human-driven sequential review to automated parallel processing. The neural network model processes multiple images simultaneously, adjusting processing speed and throughput parameters to achieve rapid damage assessment while preserving accuracy through consistent application of trained detection algorithms.

Inventive Principle:
Principle #35Parameter changes

2Productivity

If automated solutions are implemented for property damage estimation, then processing speed and efficiency are improved, but system complexity and development requirements worsen

Engineering Contradiction:
Improveprocessing efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent applies preliminary action by pre-training neural network models with extensive datasets of annotated damage images before deployment. The system performs offline training and validation work in advance, preparing the automated estimation engine with learned patterns and features, thereby reducing the complexity of real-time processing while maintaining high productivity during actual damage assessment operations.

Inventive Principle:
Principle #10Preliminary action

3Quantity of substance

If synthetic images are used for training neural networks, then data availability and training efficiency are improved, but training precision and real-world applicability worsen

Engineering Contradiction:
Improvetraining data volumeVSAvoiddetection accuracy
Core Design Contradiction:
Quantity of substanceVSMeasurement precision

Solution Approach 1:

The patent merges synthetic and real image datasets for neural network training, combining the advantages of both approaches. Synthetic images provide abundant diverse scenarios and controlled variations, while real images ensure authenticity and real-world relevance. The combined training approach balances data quantity from synthetic sources with detection precision validated against real damage cases.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The patent uses domain adaptation techniques as an intermediary layer between synthetic and real data domains. The system learns to translate features and patterns from the synthetic domain to match real-world conditions, acting as a bridge that preserves the benefits of synthetic data generation while ensuring accurate detection performance on actual damage images.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS11935219B1Systems and methods for automated property damage estimations and detection based on image analysis and neural network training
Publication Date: 2024.03.19 ALLSTATE INSURANCE COMPANY
  • US11935219B1 patent drawing
  • US11935219B1 patent drawing
  • US11935219B1 patent drawing

AI summary

Intelligent prediction systems and methods of use to train a neural network model to analyze images of property damage to detect and predict property damage of a property, the neural network model during training configured to (1) switch between one or more synthetic images comprising pixel-based masked annotations of damaged property from a synthetic engine and one or more real images comprising bounding box annotations of damaged property from a real database, and (2) freeze inactive class training to prevent learning on one or more inactive classes comprising one or more pre-determined missing annotated labels in the one or more synthetic images and/or the one or more real images.