Patent ID: 8600104

Claim:
A computer-implemented method for assessing a condition of a property for insurance purposes, the method comprising the steps of: acquiring a spectral image of radiation emitted into an atmospheric layer at the property at a first timestamp; acquiring a subsequent spectral image of emitted radiation emitted into the atmospheric layer at the property at a second timestamp later than the first timestamp; generating a spectral signature indicating a concentration of a molecular constituent from the spectral image; generating a subsequent spectral signature indicating a subsequent concentration of the molecular constituent from the subsequent spectral image; comparing the spectral signature to the subsequent spectral signature to determine a concentration difference of the molecular constituent corresponding to a change in the condition of the property; determining if the concentration difference exceeds a predetermined threshold value associated with the molecular constituent; and initiating an insurance process for a particular type of loss associated with the change in condition producing the concentration difference exceeding the predetermined threshold value.