Patents
US 12762627 B2: Systems and methods for homeowner-directed risk of property damage mitigation
- Granted
- 2026-10-13
- Filed
- 2023-07-13 application 18221517
- Type
- Utility · 19 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Methods and systems for homeowner-directed risk mitigation for damage to a property associated with insurance-related events are provided. A smart home controller may analyze data received from a plurality of smart devices disposed on, or proximate to, a property as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller may transmit an alert to a homeowner detailing the risk. The homeowner may respond to the alert by transmitting an instruction to mitigate or prevent damage associated with the risk back to the smart home controller. Subsequently, the smart home controller may transmit information about the actual or potential risks and any homeowner-directed mitigative actions to an insurance provider. The insurance provider may interpret the transmitted data and perform insurance activities, such as providing discounts and adjusting an insurance policy associated with the property.
Source: PTBLXML, file of 2026-10-13 (ipgb20261013.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY 2,604 patents | US company or organization | Bloomington, IL | STATE FARM MUTUAL AUTOMOBILE INSURANCE CO Form D issuer FUZZY medium confidence: same name (legal endings aside) and state | PTBLXML, file of 2026-10-13 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Ronny S. Bryant | Bloomington, IL | 82 | PTBLXML, file of 2026-10-13 | |
| Shawn M. Call | Bloomington, IL | 143 | PTBLXML, file of 2026-10-13 | |
| Daryoush Hakimi-Boushehri | Bloomington, IL | 32 | PTBLXML, file of 2026-10-13 | |
| John H. Weekes | Bloomington, IL | 31 | PTBLXML, file of 2026-10-13 | |
| Jennifer Criswell | Bloomington, IL | 24 | PTBLXML, file of 2026-10-13 | |
| Todd Binion | Bloomington, IL | 136 | PTBLXML, file of 2026-10-13 | |
| Jackie O. Jordan, II | Bloomington, IL | 102 | PTBLXML, file of 2026-10-13 | |
| Elisabeth McDermeit | Bloomington, IL | 30 | PTBLXML, file of 2026-10-13 | |
| John Donovan | Bloomington, IL | 84 | PTBLXML, file of 2026-10-13 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q40/0842 | PTBLXML, file of 2026-10-13 |
| E03B | Installations or methods for obtaining, collecting, or distributing water | E03B7/071 | PTBLXML, file of 2026-10-13 |
| G05B | Control or regulating systems in general; functional elements of such systems; monitoring or testing arrangements for such systems or elements | G05B15/02 | PTBLXML, file of 2026-10-13 |
| G08B | Signalling systems, e.g. personal calling systems; order telegraphs; alarm systems | G08B21/20 | PTBLXML, file of 2026-10-13 |
| G16Y | Information and communication technology specially adapted for the internet of things [iot] | G16Y10/50 | PTBLXML, file of 2026-10-13 |
| H04L | Transmission of digital information, e.g. telegraphic communication | H04L12/2823 | PTBLXML, file of 2026-10-13 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
No recorded assignments or security interests on file for this patent.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.