Smart Home Health Evaluation for Hidden Risk Detection

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Solution Overview

Problem

Homeowners are often unaware of potential risks in their homes, such as electrical fires or security threats, which can lead to unnoticed hazards and unconsidered insurance risks, due to limited access to risk data and detection capabilities.

Innovation Solution

A system comprising a remote system server, internal home health controller, and smart devices collects and analyzes internal and external data to generate safety and health scores for a residential property, providing homeowners with evaluations and recommendations for risk mitigation.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If homeowners rely on traditional insurance pricing methods, then insurance carriers can price policies using limited available data, but many risk factors remain undetected and unconsidered

Engineering Contradiction:
Improverisk data accessibilityVSAvoidrisk assessment accuracy
Core Design Contradiction:
Loss of informationVSReliability

Solution Approach 1:

The patent introduces a remote system server as an intermediary between insurance carriers and homeowners. This server collects, processes, and analyzes risk data from multiple sources (smart devices, external databases, IoT sensors) and provides comprehensive risk assessments to both parties. The intermediary resolves the contradiction by making previously inaccessible risk data available while ensuring accurate assessment through centralized processing.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The remote system server performs multiple functions: collecting data from various sources, analyzing risk factors, generating safety scores, providing recommendations, and communicating with both homeowners and insurance carriers. This multi-functional system resolves the contradiction by consolidating data access and analysis capabilities in a single platform that serves all stakeholders.

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

2Ease of operation

If homeowners attempt to detect and mitigate risks themselves, then they can take corrective actions, but they are often unaware of many risks and detection capabilities

Engineering Contradiction:
Improvehomeowner risk detection capabilityVSAvoidrisk awareness
Core Design Contradiction:
Ease of operationVSLoss of information

Solution Approach 1:

The system implements continuous feedback loops where smart devices monitor risk factors, the remote server analyzes the data, and actionable insights are provided back to homeowners through the graphical user interface. This feedback mechanism resolves the contradiction by equipping homeowners with real-time risk awareness and detection capabilities they previously lacked, enabling informed corrective actions.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system enables homeowners to self-monitor and self-assess risks through the graphical user interface, which displays safety scores, risk factors, and recommended actions. This self-service capability resolves the contradiction by making risk detection and assessment accessible to homeowners without requiring specialized knowledge or resources.

Inventive Principle:
Principle #25Self-service

3Reliability

If a comprehensive risk detection system is implemented, then home safety and risk awareness improve, but system complexity and data processing requirements increase

Engineering Contradiction:
Improvehome safetyVSAvoidsystem architecture
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system is segmented into distinct functional components: smart devices for data collection, a remote system server for centralized processing and analysis, and a graphical user interface for user interaction. This segmentation resolves the contradiction by distributing system functions across multiple independent modules, making the overall complex system manageable and maintainable while ensuring comprehensive safety monitoring.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS12437865B2Systems and methods for home health evaluation and remediation
Publication Date: 2025.10.07 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US12437865B2 patent drawing
  • US12437865B2 patent drawing
  • US12437865B2 patent drawing

AI summary

A device for evaluating aspects of health of a residential property configured to: (i) receive a first element of internal home health data captured by one or more smart devices installed within a residential property, the first element of internal home health data reflecting an aspect of operational quality of one or more assets of the residential property; (ii) determine a safety score based upon the first element of internal home health data; (iii) receive a second element of internal home health data captured by the one or more smart devices; (iv) determine a home health score based upon the first or second elements of internal home health data, the home health score representing a measure of health of the residential property; and (v) cause to be displayed, to a homeowner via a graphical user interface, a home health evaluation that includes the safety score and the home health score.