Articles
| Open Access | Voice AI Risk Signaling: Using Home Assistant Devices to Detect Undeclared Property Hazards
Rachit Jain , Independent Researcher Downingtown, Pennsylvania, USAAbstract
With the increase in smart home adoption, voice-enabled devices like Amazon Alexa, Google Home, and Apple Siri are becoming increasingly abundant. Most of the new homes use these smart devices, and the old ones are upgrading to integrate these voice-enabled assistants. This paper explores a novel study for using voice data, with user consent, to identify the undeclared or non-reported risks within residential properties. By analyzing the speech using the natural language patterns, complaint frequency, and targeted keywords signals, we propose an Artificial Intelligence-based model to measure underlying risks that is not available in the traditional underwriting models has a very high potential to translate risk profiling dynamically, which will lead to improved pricing accuracy, fair pricing and diminish claim leakage in the property insurance.
Keywords
Voice AI, Property Insurance, Risk Detection, Smart Home, NLP, Underwriting, Risk Scoring, Digital Insurance, Behavioral Analytics, Privacy-Aware AI
References
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Copyright (c) 2024 Rachit Jain
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