Patent ID: 11966939
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Audio-visual technology (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 15:
16. A method, comprising:
receiving, by a processor, data from one or more sensors associated with a refrigerator of an insured property;
determining, by the processor, one or more operating parameters associated with the refrigerator based on the data, wherein the one or more operating parameters comprise a first age of the refrigerator, one or more second ages of one or more parts associated with the refrigerator, or a length of service of the refrigerator;
determining, by the processor, that a performance degradation of at least one of the one or more operating parameters associated with the refrigerator is outside a threshold range based on the first age of the refrigerator, the one or more second ages of the one or more parts associated with the refrigerator, or the length of service of the refrigerator;
determining, by the processor, a repair or a replacement need of the refrigerator based at least in part on determining that the performance degradation of at least one of the one or more operating parameters associated with the refrigerator is outside the threshold range;
receiving, by the processor, an insurance policy associated with the insured property;
determining, by the processor, one or more food spoilage coverage insurance products associated with the repair or the replacement need based on the insurance policy being indicative of a lack of coverage for the repair or the replacement need; and
transmitting, by the processor, an indication of at least one of the one or more food spoilage coverage insurance products to a policy holder that corresponds to the insurance policy.