Patent ID: 11861724
Assignee: ALLSTATE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. An insurance simulation system, comprising:
a computing device, including:
an input device;
a display device configured to display a simulated home comprising a simulated door and a simulated window; and
an input/output module communicatively coupled to the input device and the display device;
at least one processor communicatively coupled to the input/output module; and
a memory storing computer executable instructions that, when executed by the at least one processor, cause the at least one processor to:
receive, from the input device, via the input/output module, and based on a user interaction with at least one of the simulated door and the simulated window displayed on the display device, characteristic information identifying characteristics of one or more structures, in a home of a user, corresponding to the at least one of the simulated door and the simulated window;
perform, based on the received characteristic information, a simulation of living conditions of the home to generate simulation information, wherein the simulation of the living conditions of the home comprises simulating operation of the at least one of the simulated door and the simulated window over a predetermined period of time and in accordance with the received characteristic information;
estimate, based on the simulation information generated by the simulation of the living conditions of the home, damages in a simulated home insurance event; and
determine, based on the estimated damages in the simulated home insurance event, a user liability for the damages under an insurance option.