Residential Home Health Evaluation Using Smart Device Risk Scoring
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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 home health system comprising a remote server, internal controller, and smart devices that collect and analyze internal and external data to generate safety and health scores, providing homeowners with evaluations and alerts to mitigate risks.
Engineering Contradictions & Design Principles
Engineering 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
Solution Approach 1:
The patent introduces a remote system server as an intermediary between the homeowner's internal home health controller and external data sources. This server aggregates and analyzes multiple data elements including internal home health data, external environmental data, and historical loss data to generate comprehensive risk assessments. The intermediary processes and synthesizes information that would be inaccessible to individual homeowners or insurance carriers alone, thereby reducing information loss and improving risk assessment reliability.
2Ease of operation
If homeowners perform manual risk assessments, then they can identify some obvious hazards, but they remain unaware of many hidden risks and corrective actions
Solution Approach 1:
The patent replaces manual homeowner risk assessment with an automated electronic system comprising smart devices, sensors, and processing algorithms. The internal home health controller continuously monitors electrical systems, plumbing, HVAC, and other home systems, automatically detecting risks without requiring homeowner expertise or manual inspection. This substitution of mechanical/manual processes with electronic automation maintains ease of operation while dramatically improving measurement precision in risk detection.
Solution Approach 2:
The system implements continuous feedback loops where sensors monitor home systems, the processing unit analyzes data against risk criteria, and alerts are generated when risks are detected. The system provides ongoing feedback to homeowners about their home's risk status and recommended corrective actions, enabling continuous risk management rather than one-time manual assessments. This feedback mechanism ensures both accessibility and accuracy in risk detection.
3Measurement precision
If a comprehensive risk monitoring system is implemented, then risk detection accuracy improves, but system complexity and data processing requirements increase
Solution Approach 1:
The patent divides the comprehensive risk monitoring system into distinct modular components: internal home health controllers for different home systems (electrical, plumbing, HVAC), external data source interfaces, a remote system server for data aggregation, and individual risk assessment modules. Each component handles specific data types and risk categories independently, then integrates results at the server level. This segmentation manages device complexity by creating manageable, specialized modules while maintaining comprehensive risk assessment accuracy through their coordinated operation.
Data Source
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.