Patent Document ID: 8706589
Application ID: 12985268
Patent Flag: 1

Claim One:
1. A method for protecting against a loss in market value of real property, the method comprising: providing a computer having a computer processor; modeling, using the computer processor at a first time, events to determine an expected future market value for the real property; defining a premium amount for a policy at the first time to protect against a loss defined by a difference between a market value of the real property at a predetermined time after the first time and the expected future market value calculated at the first time; determining, using the computer processor, the market value of the real property at the predetermined time; determining, using the computer processor, that the market value of the real property at the predetermined time is less than the expected future market value calculated at the first time, indicating that the loss has occurred; and thereafter, making a payment to cover the loss without transfer of the real property, wherein the payment incurs a lien on the real property so as to offset the payment with any future gain when the real property is sold.