Patent ID: 11861716
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: Electrical machinery, apparatus, energy (Electrical engineering)
Classification: CPC H  G  Y | IPC G

Claim 6:
7. A system configured to reconstruct an event associated with damage to a structure, the system comprising:
an electricity monitoring device positioned in vicinity of an electrical distribution board of the structure;
one or more processors; and
one or more computer memories storing computer-executable instructions that, when executed via the one or more processors, cause the system to:
monitor, via the electricity monitoring device, electrical activity about the structure by wirelessly detecting an electricity flow to a plurality of electric devices that are coupled to the electrical distribution board;
identify, by the electricity monitoring device, each electric device of the plurality of electric devices using the detected electricity flow based upon an electrical signature unique to each respective electric device;
correlate, via the one or more processors, the electrical activity with respective electric devices of the plurality of electric devices, based upon the electrical signature unique to each respective electric device;
build, via the one or more processors, based at least upon the correlated electrical activity, a structure electrical profile including, for each respective electric device, data indicative of operation of the respective electric device;
receive, via the one or more processors, an indication of an insurance claim associated with claimed damage to the structure;
identify, via the one or more processors, a subset of the electrical activity to reconstruct electrical events when the claimed damage is claimed to have occurred;
reconstruct, via the one or more processors, a series of electrical events around when the claimed damage is claimed to have occurred using the subset of the electrical activity;
compare, via the one or more processors, the subset of the electrical activity with the structure electrical profile to determine whether the claimed damage occurred involuntarily or voluntarily; and
process, via the one or more processors, the insurance claim in response to determining that the claimed damage occurred involuntarily;

wherein comparing the subset of the electrical activity with the structure electrical profile includes comparing an occupancy of the structure indicated by the subset of the electrical activity to an expected occupancy of the structure indicated by the structure electrical profile.