Patent Grant
10628888
The present invention relates to computer systems and, more particularly, to computer systems associated with an automatic determination of supplemental insurance information for a virtual home.
An insurer may provide property insurance to an insured party, such as a homeowner. For example, a homeowner's insurance policy might help a homeowner prepare for risks related weather damage, flood damage, fire damage, etc. In addition, different types of insurance policies may be associated with different types of coverages, deductible amounts, overall insurance limits, etc. It can be difficult, in some cases, for an insured party to understand how these different characteristic apply to his or her home. An insured party might be, for example, unsure if his or her homeowner's insurance policy covers a situation in which a water heater begins to leak. Similarly, in can be difficult for an insurance enterprise to understand and predict the questions that policyholders may have. It would therefore be desirable to provide systems and methods to facilitate an exchange of information between an insurer and an insured party in an automated, efficient, secure, and accurate manner.
According to some embodiments, systems, methods, apparatus, computer program code and means may facilitate an exchange of information between an insurer and an insured party. In some embodiments, a first insured party may be automatically associated with first virtual home information including real world elements of a virtual home. The first virtual home information may also be automatically associated with first insurance policy information of the first insured party. A virtual home display request may be received from a remote insured party device associated with the first insured party. Responsive to the received virtual home display request, a rendering of at least a portion of the virtual home may be automatically facilitated based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information. A selection of one of the real world elements may be received from the remote insured party device, and, responsive to the selected real world element, supplemental insurance information may be transmitted to the remote insured party device.
Some embodiments provide: means for automatically associating a first insured party with first virtual home information including real world elements of a virtual home; means for automatically associating the first virtual home information with first insurance policy information of the first insured party; means for receiving, from a remote insured party device associated with the first insured party, a virtual home display request; responsive to the received virtual home display request, means for automatically facilitating a rendering of at least a portion of the virtual home based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information; means for receiving, from the remote insured party device, a selection of one of the real world elements; and responsive to the selected real world element, means for transmitting, to the remote insured party device, supplemental insurance information.
A technical effect of some embodiments of the invention is an improved, secure, and computerized method to facilitate an exchange of information between an insurer and an insured party. With these and other advantages and features that will become hereinafter apparent, a more complete understanding of the nature of the invention can be obtained by referring to the following detailed description and to the drawings appended hereto.
An insurer may provide insurance, such as homeowner's insurance, to an insured party, such as a homeowner, and different types of insurance policies may be associated with different types of coverages, deductible amounts, overall insurance limits, etc. It can be difficult, in some cases, for an insured party to understand how these different characteristic apply to his or her home. Similarly, in can be difficult for an insurance enterprise to understand and predict the questions that policyholders may have. It would therefore be desirable to provide systems and methods to facilitate an exchange of information between an insurer and an insured party in an automated, efficient, and accurate manner.
The virtual home platform 150 may receive a request for a virtual home display from a requestor device. For example, an insured party might use his or her smartphone to submit the request to the virtual home platform 150. According to some embodiments, information about received requests may be stored at virtual home platform 140 and/or a data store 140 of the insurance provider backend 110. Responsive to the request, the virtual home platform 150 might access information from the insurance provider backend 110 (e.g., associated with different elements of his or her home). The virtual home platform 150 may then use a Graphical User Interface (“GUI”) to render user displays 160. According to some embodiments, the insured party may access secure policy information through a validation process that may include a user identifier, password, biometric information, device identifiers, and/or geographic authentication processes.
The virtual home platform 150 and/or a requestor device might be, for example, associated with a Personal Computer (“PC”), laptop computer, smartphone, an enterprise server, a server farm, and/or a database or similar storage devices. The virtual home platform 150 may, according to some embodiments, be associated with an insurance provider.
According to some embodiments, an “automated” virtual home platform 150 may facilitate the provision of virtual home information to an insured party. For example, the virtual home platform 150 may automatically generate and transmit insurance information in connection with the virtual home displays 160. As used herein, the term “automated” may refer to, for example, actions that can be performed with little (or no) intervention by a human.
As used herein, devices, including those associated with the virtual home platform 150 and any other device described herein may exchange information via any communication network which may be one or more of a Local Area Network (LAN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), a proprietary network, a Public Switched Telephone Network (PSTN), a Wireless Application Protocol (WAP) network, a Bluetooth network, a wireless LAN network, and/or an Internet Protocol (IP) network such as the Internet, an intranet, or an extranet. Note that any devices described herein may communicate via one or more such communication networks.
The virtual home platform 150 and/or insurance provider backend 110 may store information into and/or retrieve information from the data store 140. The data store 140 might be associated with, for example, an insurance company, an underwriter, or a claim analysis and might also store data associated with past and current insurance claims. The data store 140 may be locally stored or reside remote from the virtual home platform 150. As will be described further below, the data store 140 may be used by the virtual home platform 150 to generate and/or calculate virtual home information. Some or all of the virtual home information might be, for example, originally provided by a homeowner and/or be automatically populated based on information received from third party information service 130 (e.g., a real estate database). Note that in some embodiments, the third party information service 130 may communicate directly with the virtual home platform 150. According to some embodiments, the virtual home platform 150 communicates information associated with a simulator 170 and/or a claims system 180 to a remote insured party device and/or to an automated system, such as by transmitting an electronic file to an underwriter device, an insurance agent or analyst platform, an email server, a workflow management system, a predictive model, a map application, etc.
Although a single virtual home platform 150 is shown in
Note that the system 100 of
At S210, a first insured party may be automatically associated with first virtual home information, including real world elements of a virtual home. The first virtual home information and/or real world elements might be associated with, for example, an outside view of the virtual home, rooms within the virtual home, and/or furniture, appliances, and other elements within each room of the virtual home. Note that, as used herein, the phrase “insured party” might, in some cases, refer to an insurance agent who is working together with an insurance customer or potential insurance customer.
At S220, the first insured party and/or the first virtual home information may be automatically associated first insurance policy information of the first insured party. As used herein, the phrase “insurance policy information” might refer to, for example, an insured parties name, address, contact information, insurance coverage dates, premium information, coverage details, deductible amounts, coverage limits, etc. The insurance policy information may be associated with a homeowner's insurance policy and/or may be associated with an existing insurance policy, a potential insurance policy, an insurance policy renewal, and/or an insurance policy upgrade.
At S230, a virtual home display request may be received from a remote insured party device associated with the first insured party. The remote insured party device may comprise, for example, a computer executing a browser, a smartphone executing a browser or an application, eyeglasses, a smart watch, and a virtual reality device.
Responsive to the received virtual home display request, at S240 the system may automatically facilitate a rendering of at least a portion of the virtual home based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information. The rending may be associated with, for example, an exterior of the virtual home, a floorplan of the virtual home, and/or a room within the virtual home. The rending might be displayed on a screen, be provided as augmented reality overlaid onto a real world image, and/or be used to create an immersive three-dimensional virtual reality environment.
At S250, a selection of one of the real world elements may be received from the remote insured party device. For example, the insured party might use a touch screen to select the roof of the virtual home, a refrigerator in a kitchen, etc. Responsive to the selected real world element, supplemental insurance information may be transmitted at S260 to the remote insured party device.
According to some embodiments, the system may receive an adjustment of at least one real world element from the remote insured party device. The system may then transmit data indicative of the real world element adjustment to the virtual home database system. For example, a user might indicate that he or she has purchased a different model washing machine and that information may be stored by the system for later reference. The adjustment might be associated with, for example, an image of the real world element, a video of the real world element, an automatically created location of the real world element, and/or a date or time associated with the real world element. Note that, as used herein the term “adjustment” might include the addition or deletion of a real world element. Further, according to some embodiments, the virtual home platform is in communication with a claims processing system and the rendering of the virtual home includes an exchange of information between the virtual home platform and the claims processing system. For example, a rendering of a real world element might indicate a date on which a claim was last paid in connection with that element.
By way of example,
According to some embodiments, the instructions might indicate that selection of a front door area 322 will initiate a tour of the virtual home 320 (e.g., taking the user inside and throughout the virtual home 320). If this is performed without the user being authenticated, the virtual home system might arrange for generic real world elements to be provided to the remote insured party device (e.g., items that are typically found in a three bedroom home might be automatically populated in the virtual home 320).
According to some embodiments, the outdoor display may have been initially selected by the user (e.g., he or she might select a picture that most closely matches the real-world home from a set of potential pictures). According to other embodiments, a picture taken with the user's smartphone might be used to create virtual home 320. According to still other embodiments, the virtual home 320 might be automatically selected and/or populated by the system based on publically available information (e.g., it might be known that a particular home at a particular address was built by a developer who always used shingle roofing material).
According to some embodiments, additional real world elements outside the virtual home 320 may also be included in the outdoor display 300, such as trees, a playset, a trampoline, and/or an automobile 340. In this case, the user might select those elements to provide more information about them and/or to receive additional insurance information in connection with his or selections.
In addition, according to some embodiments, the user might select portions of the virtual home 320 to provide more information about them and/or to receive additional insurance information in connection with his or selections. For example, the user might select a roof portion 324 of the virtual home with the computer pointing icon 310.
According to some embodiments, a user might select real world elements within the virtual home basement display 500 to provide more information about them and/or to receive additional insurance information in connection with his or selections. For example, the user might select the furnace 530 of the virtual home basement display 500 with the computer pointing icon.
Note that the particular types of supplemental insurance information 660 provided herein are only examples, and the supplemental insurance information 660 might include any other types of data. For example, the supplemental insurance information 660 might include testimonial information (e.g., from satisfied customers in the homeowner's neighborhood), prior claim information (e.g., associated with the homeowner or people who owned similar types of homes), insurance upgrade information, flood insurance, earthquake insurance, water, sewer back up or sump overflow damage, liability limits, and/or umbrella insurance coverages.
For example, for a home located in a flood zone, the virtual home might identify the need for flood insurance, and provide the opportunity to link to an insurance enterprise flood department to submit a request for an insurance premium quote. For a virtual home where the insurance policy liability limits are, for example, only $100,000 and homeowner has a dog, the display 600 might recommend higher liability limits (e.g., $300,000 or $500,000). The display 600 might also recommend umbrella insurance coverage if the homeowner also has automobile insurance with the same insurer along with information about how common liability claims are for dog related events, particularly bites. According to some embodiments, the system might automatically determine that the virtual home lacks a mortgagee (indicating that there may be high equity in the home to protect) in connection with a Personal Umbrella Policy (“PUP”) insurance recommendation.
According to some embodiments, the supplemental insurance information 660 comprises “drill-down information” that might be associated with, for example, valuable articles (e.g., associated with the theft of jewelry, watches, furs, precious stones, or semi-precious stones). For example, the supplemental insurance information 660 might indicate a sub-limit of $1,500 for the theft of jewelry, watches, furs, precious stones, and semi-precious stones and note that a mysterious disappearance and/or simply losing an item is not covered at all. The system may recommend two options: (1) Blanket Valuable Articles (“BVA”) providing protection for all items up to $10,000 per item and a total of $50,000 without the need of submitting appraisals (this coverage might include, for example, mysterious disappearance and has no deductible); and (2) Scheduled Valuable Articles (“SVA”) which gives the homeowner an opportunity to specifically lists items and have them covered for an agreed amount, meaning at the time of loss the insurer will simply pay the amount scheduled in the insurance policy (an appraisal may be required for this type of insurance to enable a homeowner to schedule unique articles or high value items.)
As another example, the supplemental insurance information 660 might be associated with personal property causes of loss and/or named perils coverage for contents. This type of insurance may be poorly understood by insureds or not at all realized. As a drill down, this supplemental insurance information 600 may provide an opportunity to educate the insured on what types of losses his or her covered property is covered for and recommend consideration of an insurance upgrade instead to obtain open perils coverage (and some of the key differences may be highlighted).
As still another example, the supplemental insurance information 660 might be associated with worldwide personal property coverage. That is, the system might highlight that type of insurance provides coverage for personal property and applies anywhere in the world (so if the homeowner is traveling abroad and is robbed, the coverage still applies). With respect to other coverages limits, the supplementation insurance information 660 might display the property with other potential structures, fences, etc., which would be clickable for drill downs to illustrate and/or explain how the policy covers them. There might also be drill downs on electronics elements depicted in the virtual home, like computers, etc., and in appliances, such as those associated with the Internet of Things (“IoT”) showing existing limitations in the policy for different types of cause of loss and illustrating and/or explaining the options available to get coverage for some of the perils unique to electronics, such as power surge damage and electrical injury. There could be a clickable drill down on a real world refrigerator element in a kitchen (or garage) display to explain the coverage in the policy for refrigerated items (either in a package or offering the option) as well as how losses under $500 won't alter their premium (which most refrigerated items losses alone are). The supplemental insurance information 660 might be associated with associated with loss assessment insurance. Homes and condominiums may be associated with a homeowner's associations such that the homeowner is liable for an assessment due to a liability or common property claim (e.g., in connection with a pool house or community center). A base policy might, for example, only cover $1,000 while an upgrade package includes $10,000 of coverage.
According to some embodiments, the display 600 includes a “click-to-chat” icon 670. The user might, for example, select the icon 670 so that the system will receive from the remote insured party device a request to communicate. Responsive to the received request to communicate, the system might facilitate communication with the homeowner. For example, a customer service representative or insurance agent might answer the homeowner's questions and/or arrange for the sale of additional insurance products as appropriate. According to some embodiments, the communication is associated with a virtual agent that automatically generates recommendations for the first insured party based on, for example, demographic information, geographic information, income information, age information, gender information, a home value, and/or an average amount of insurance protection associated with other insured parties.
The embodiments described herein may be implemented using any number of different hardware configurations. For example,
The processor 710 also communicates with a storage device 730. The storage device 730 may comprise any appropriate information storage device, including combinations of magnetic storage devices (e.g., a hard disk drive), optical storage devices, mobile telephones, and/or semiconductor memory devices. The storage device 730 stores a program 712 and/or a virtual home engine or application 714 for controlling the processor 710. The processor 710 performs instructions of the programs 712, 714, and thereby operates in accordance with any of the embodiments described herein. For example, the processor 710 may automatically associated a first insured party with first virtual home information including real world elements of a virtual home. The first virtual home information may also be automatically associated with first insurance policy information of the first insured party. A virtual home display request may be received by the processor 710 from a remote insured party device associated with the first insured party. Responsive to the received virtual home display request, a rendering of at least a portion of the virtual home may be automatically facilitated by the processor 710 based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information. A selection of one of the real world elements may be received the processor 710 the processor 710 from the remote insured party device, and, responsive to the selected real world element, supplemental insurance information may be transmitted to the remote insured party device.
The programs 712, 714 may be stored in a compressed, uncompiled and/or encrypted format. The programs 712, 714 may furthermore include other program elements, such as an operating system, a database management system, and/or device drivers used by the processor 710 to interface with peripheral devices.
As used herein, information may be “received” by or “transmitted” to, for example: (i) the virtual home platform 700 from another device; or (ii) a software application or module within the virtual home platform 700 from another software application, module, or any other source.
In some embodiments (such as shown in
Referring to
The virtual home identifier 802 may be, for example, a unique alphanumeric code identifying a virtual home. The associated insurance policy identifier 804 may indicate, for example, an existing insurance policy that covers the actual home represented by the virtual home. The room 806 and the item 808 may define the real world elements that exist within the virtual home. For example, as illustrated by
Referring to
The insurance policy identifier 902 may indicate, for example, an existing insurance policy that covers the actual home represented by the virtual home and may be based on, or associated with, the associated insurance policy identifier 804 in the virtual home database 800. The virtual home identifier 904 may be, for example, a unique alphanumeric code identifying a virtual home and may be based on, or associated with, the virtual home identifier 802 in the virtual home database 800. The coverage date might indicate when the insurance policy became effective and the claims 908 might indicate one or more claims that have been filed in connection with the insurance policy (and might be used, for example, to supplement display of room of the virtual room where the claim occurred). The equipment breakdown coverage 910 might indicate whether or not the homeowner has purchased an insurance upgrade (and may be used, for example, to make an upsell recommendation to the homeowner via the virtual home display).
According to some embodiments, information about a virtual home might be used to execute a “simulation” to predict an impact of an event in connection with a homeowner's insurance policy. In particular, the homeowner might access a simulation selection area 1060 of the display 1000 and use a drop-down menu 1062 to select a type of event to be simulated (e.g., a fire, a flood, a hurricane, hail, tornado, a cyber-crime event, damage from at least a portion of a tree falling, a broken pipe, an electrical power surge, etc.). Responsive to the received request to execute a simulation, the system may execute the simulation (e.g., based on past events for similar types of homes in the area and/or similar types of insurance policies) and display a result of the simulation to the homeowner. For example,
According to some embodiments, one or more predictive models may be used to simulate an event to predict damage based on prior events and claims. Features of some embodiments associated with a predictive model will now be described by first referring to
The computer system 1400 includes a data storage module 1402. In terms of its hardware the data storage module 1402 may be conventional, and may be composed, for example, by one or more magnetic hard disk drives. A function performed by the data storage module 1402 in the computer system 1400 is to receive, store and provide access to both historical claim transaction data (reference numeral 1404) and current claim transaction data (reference numeral 1406). As described in more detail below, the historical claim transaction data 1404 is employed to train a predictive model to provide an output that indicates hail history data, and the current claim transaction data 1406 is thereafter analyzed by the predictive model. Moreover, as time goes by, and results become known from processing current claim transactions, at least some of the current claim transactions may be used to perform further training of the predictive model. Consequently, the predictive model may thereby adapt itself to changing event impacts and damage amounts.
Either the historical claim transaction data 1404 or the current claim transaction data 1406 might include, according to some embodiments, determinate and indeterminate data. As used herein and in the appended claims, “determinate data” refers to verifiable facts such as the an age of a home; a home type; an event type (e.g., fire or flood); a date of loss, or date of report of claim, or policy date or other date; a time of day; a day of the week; a geographic location, address or ZIP code; and a policy number.
As used herein, “indeterminate data” refers to data or other information that is not in a predetermined format and/or location in a data record or data form. Examples of indeterminate data include narrative speech or text, information in descriptive notes fields and signal characteristics in audible voice data files. Indeterminate data extracted from medical notes or accident reports might be associated with, for example, an amount of loss and/or details about damages.
The determinate data may come from one or more determinate data sources 1408 that are included in the computer system 1400 and are coupled to the data storage module 1402. The determinate data may include “hard” data like a claimant's name, date of birth, social security number, policy number, address; the date of loss; the date the claim was reported, etc. One possible source of the determinate data may be the insurance company's policy database (not separately indicated). Another possible source of determinate data may be from data entry by the insurance company's claims intake administrative personnel.
The indeterminate data may originate from one or more indeterminate data sources 1410, and may be extracted from raw files or the like by one or more indeterminate data capture modules 1412. Both the indeterminate data source(s) 1410 and the indeterminate data capture module(s) 1412 may be included in the computer system 1400 and coupled directly or indirectly to the data storage module 1402. Examples of the indeterminate data source(s) 1410 may include data storage facilities for document images, for text files (e.g., claim handlers' notes) and digitized recorded voice files (e.g., claimants' oral statements, witness interviews, claim handlers' oral notes, etc.). Examples of the indeterminate data capture module(s) 1412 may include one or more optical character readers, a speech recognition device (i.e., speech-to-text conversion), a computer or computers programmed to perform natural language processing, a computer or computers programmed to identify and extract information from narrative text files, a computer or computers programmed to detect key words in text files, and a computer or computers programmed to detect indeterminate data regarding an individual. For example, claim handlers' opinions may be extracted from their narrative text file notes.
The computer system 1400 also may include a computer processor 1414. The computer processor 1414 may include one or more conventional microprocessors and may operate to execute programmed instructions to provide functionality as described herein. Among other functions, the computer processor 1414 may store and retrieve historical claim transaction data 1404 and current claim transaction data 1406 in and from the data storage module 1402. Thus the computer processor 1414 may be coupled to the data storage module 1402.
The computer system 1400 may further include a program memory 1416 that is coupled to the computer processor 1414. The program memory 1416 may include one or more fixed storage devices, such as one or more hard disk drives, and one or more volatile storage devices, such as RAM devices. The program memory 1416 may be at least partially integrated with the data storage module 1402. The program memory 1416 may store one or more application programs, an operating system, device drivers, etc., all of which may contain program instruction steps for execution by the computer processor 1414.
The computer system 1400 further includes a predictive model component 1418. In certain practical embodiments of the computer system 1400, the predictive model component 1418 may effectively be implemented via the computer processor 1414, one or more application programs stored in the program memory 1416, and data stored as a result of training operations based on the historical claim transaction data 1404 (and possibly also data received from a third party weather reporting service). In some embodiments, data arising from model training may be stored in the data storage module 1402, or in a separate data store (not separately shown). A function of the predictive model component 1418 may be to determine appropriate simulation models, results, and/or scores. The predictive model component may be directly or indirectly coupled to the data storage module 1402.
The predictive model component 1418 may operate generally in accordance with conventional principles for predictive models, except, as noted herein, for at least some of the types of data to which the predictive model component is applied. Those who are skilled in the art are generally familiar with programming of predictive models. It is within the abilities of those who are skilled in the art, if guided by the teachings of this disclosure, to program a predictive model to operate as described herein.
Still further, the computer system 1400 includes a model training component 1420. The model training component 1420 may be coupled to the computer processor 1414 (directly or indirectly) and may have the function of training the predictive model component 1418 based on the historical claim transaction data 1404 and/or information about weather and other types of events. (As will be understood from previous discussion, the model training component 1420 may further train the predictive model component 1418 as further relevant data becomes available.) The model training component 1420 may be embodied at least in part by the computer processor 1414 and one or more application programs stored in the program memory 1416. Thus the training of the predictive model component 1418 by the model training component 1420 may occur in accordance with program instructions stored in the program memory 1416 and executed by the computer processor 1414.
In addition, the computer system 1400 may include an output device 1422. The output device 1422 may be coupled to the computer processor 1414. A function of the output device 1422 may be to provide an output that is indicative of (as determined by the trained predictive model component 1418) particular simulation results, scores, and upsell recommendations. The output may be generated by the computer processor 1414 in accordance with program instructions stored in the program memory 1416 and executed by the computer processor 1414. More specifically, the output may be generated by the computer processor 1414 in response to applying the data for the current simulation to the trained predictive model component 1418. The output may, for example, be a monetary estimate and/or likelihood within a predetermined range of numbers. In some embodiments, the output device may be implemented by a suitable program or program module executed by the computer processor 1414 in response to operation of the predictive model component 1418.
Still further, the computer system 1400 may include a virtual home simulator module 1424. The virtual home simulator module 1424 may be implemented in some embodiments by a software module executed by the computer processor 1414. The virtual home simulator module 1424 may have the function of rendering a portion of the display on the output device 1422. Thus the virtual home simulator module 1424 may be coupled, at least functionally, to the output device 1422. In some embodiments, for example, the virtual home simulator module 1424 may direct workflow by referring, to a virtual home platform 1426, current simulation results generated by the predictive model component 1418 and found to be associated with various results or scores. In some embodiments, these current simulations may be provided to an insured party 1428 who may also be offered insurance upgrades as appropriate.
Thus, embodiments may provide an automated and efficient way to facilitate an exchange of information between an insurer and an insured party. The following illustrates various additional embodiments of the invention. These do not constitute a definition of all possible embodiments, and those skilled in the art will understand that the present invention is applicable to many other embodiments. Further, although the following embodiments are briefly described for clarity, those skilled in the art will understand how to make any changes, if necessary, to the above-described apparatus and methods to accommodate these and other embodiments and applications.
Although specific hardware and data configurations have been described herein, note that any number of other configurations may be provided in accordance with embodiments of the present invention (e.g., some of the information associated with a virtual home might be implemented as an augmented reality display and/or the databases described herein may be combined or stored in external systems). Moreover, although embodiments have been described with respect to a person who owns his or her home, embodiments may instead be associated with a business (in which case, the virtual home may refer to a commercial location). In addition, some or all of the information described herein might be shared (e.g., manually or automatically) via a social media platform, such as by posting an event simulation result to a social media account. Still further, the displays and devices illustrated herein are only provided as examples, and embodiments may be associated with any other types of user interfaces. For example,
Note that the present invention provides significant technical improvements to facilitate an exchange of information between an insurer and an insured party. The present invention is directed to more than merely a computer implementation of a routine or conventional activity previously known in the industry as it significantly advances the technical efficiency, access and/or accuracy of communications between an insurer and an insured party by implementing a specific new method and system as defined herein. The present invention is a specific advancement in the areas of insurer/insured communication by providing technical benefits in data accuracy, data availability and data integrity and such advances are not merely a longstanding commercial practice. The present invention provides improvement beyond a mere generic computer implementation as it involves the processing and conversion of significant amounts of data in a new beneficial manner as well as the interaction of a variety of specialized insurance, client and/or third party real estate systems, networks and subsystems. For example, in the present invention information may be transmitted from an insurer to an insured party in an easy to comprehend manner and/or valuable and helpful information about an insured party may be analyzed and accurately and automatically collected by an insurance enterprise.
The present invention has been described in terms of several embodiments solely for the purpose of illustration. Persons skilled in the art will recognize from this description that the invention is not limited to the embodiments described, but may be practiced with modifications and alterations limited only by the spirit and scope of the appended claims.
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