System and Method to Assist Crop Loss Adjusting of Variable Impacts Across Agricultural Fields Using Remotely-Sensed Data

摘要

Crop insurance is a crucial support for United States (US) farmers that will benefit from technology, especially for adjusting crop losses. Earth observation satellite (EOS) data are sufficient in resolution and repeat coverage to assess variable crop loss across fields from a variety of causes including hail, drought, and insect pests and disease and permits highly accurate estimation of impacts. Combined with spatial data that define the outline of each field, an application of the present invention can be automated to assist in crop loss adjusting, to speed the process of loss adjusting and payment, and to document the loss adjustment analysis and results. These functions enhance efficiency and lower crop loss adjusting costs for the insurance provider. Through automation and use of EOS data, this technology can be applied across many thousands of square miles at a time.

主权项

1. A system and method for use of remote sensing analysis to provide digital maps and methods to assist crop loss adjusting for any loss-affected field m comprising:
classifying and ranking impacts across field m defined by a shapefile outline using EOS data; guiding a crop loss adjuster to specific parts of field m for assessment of loss at selected locations based on execution of an algorithm in a portable device that includes GPS capability carried by the crop loss adjuster; calculating the degree of crop loss on field m according to the applicable policy type and its indemnification limits for the policy underwritten by an AIP based on the assessment of loss of specific parts of field m; transmitting directly or indirectly the results from said calculation to the underwriting AIP via internet and wireless connectivity; and automatically handling the claim for field m crop loss, payout of the claim indemnification, and documenting the procedure and results of field m crop loss assessment based on the crop loss calculation.