Sensor-Based Home Event Detection for Automatic Claims
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Solution Overview
Problem
Conventional systems require user intervention for initiating insurance claims and coordinating repairs, which can be time-consuming and inefficient, often leading to delayed detection and response to home events such as leaks or damage.
Innovation Solution
A system that receives data from home device sensors to detect events automatically, processes insurance claims, and coordinates repairs without additional user input, using sensors like power, moisture, and video monitoring devices to identify events and initiate claims or repairs based on predefined thresholds.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If conventional systems require user intervention for initiating insurance claims and coordinating repairs, then the system maintains simplicity in automation, but the response time and efficiency are reduced
Solution Approach 1:
The system performs preliminary actions by automatically detecting home events through sensors, notifying users in real-time, and initiating insurance claims without waiting for user intervention. This advance automation eliminates delays associated with manual claim initiation and accelerates the overall response time.
Solution Approach 2:
The system enables self-service by autonomously monitoring home devices, detecting events, and processing insurance claims without requiring user involvement. The automated notification system and claim processing mechanism allow the system to serve itself, eliminating the time loss associated with manual user actions.
2Productivity
If the system automatically detects and processes claims without user input, then the efficiency and speed of response improve, but the system complexity increases
Solution Approach 1:
The system segments the complex insurance processing workflow into distinct automated modules: event detection through sensors, real-time notification to users, automatic claim initiation, and coordination with repair services. This segmentation allows each component to operate independently and efficiently, maintaining high productivity while managing complexity through modular design.
Solution Approach 2:
The system introduces an intermediary automated notification and processing layer between the home event and the insurance claim. This intermediary automatically translates sensor data into claim submissions, eliminating the need for complex user interactions and simplifying the overall system architecture while maintaining high processing efficiency.
3Reliability
If sensors continuously monitor home devices for early detection, then the damage minimization improves, but the energy consumption and system complexity increase
Solution Approach 1:
The system employs periodic monitoring through sensors that continuously or periodically check home devices for abnormal conditions. This periodic action ensures reliable early detection of events like leaks or malfunctions, maintaining high detection reliability while managing energy consumption through scheduled rather than constant high-power operation.
Solution Approach 2:
The system replaces manual inspection mechanisms with automated electronic sensors that consume minimal energy. This substitution enables continuous monitoring with low power consumption while maintaining high reliability in damage detection, as electronic sensors require far less energy than human inspection or mechanical monitoring systems.
Data Source
AI summary
Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are provided. The data may be used to determine whether the home device is operating within an expected range or, if it is outside of an expected range or threshold, whether a home event has occurred. Upon occurrence of the home event, an insurance claim to cover any damage caused by the home event may be initiated and/or processed. In some examples, repair of any damage may also be coordinated by the system. In some arrangements, the initiation and/or processing of the claim, and/or coordination of the repair may be performed without any additional input from the user associated with the policy, home device, etc. or with limited additional input from the user.