System and method for managing an insurance claim

• US 20070226018A1
• Filed: 03/01/2007
• Published: 09/27/2007
• Est. Priority Date: 03/01/2007
• Status: Abandoned Application

• Current Assignee: Code Blue LLC
• Original Assignee: Code Blue LLC
• Inventors: Jones, Ed N., Gross, Paul
• Application Number:
  US11/713,432
• Publication Number:
  US 20070226018A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

In an exemplary embodiment, a server system provides a user interface that allows users to submit a variety of claim data for an insurance claim stemming from water damage to an insured property. The server system utilizes the user-submitted claim data to generate additional claim data. The user-submitted claim data and the generated claim data together include (a) information on the damaged structural materials within the insured property and (b) information on the restoration of the damaged structural materials within the insured property. The user interface of the server system presents multiple web pages that display all of the claim data for the users so as to enable management of the insurance claim. The users may comprise an insurance carrier, a claim adjuster, an insurance agent, a claim administrator, a contractor and/or a claimant.

Claims

1. A computer-implemented method for managing an insurance claim relating to an insured property, comprising:

receiving a plurality of claim data from a plurality of users, wherein the claim data comprises (a) information on the insured property, (b) information on damaged structural materials of the insured property, (c) information on the restoration of the damaged structural materials of the insured property, and (d) information on a contractor assigned to the insurance claim; and

presenting one or more web pages that display the claim data for the users so as to enable management of the insurance claim.

2. The computer-implemented method of claim 1, wherein each of the users comprises one of the following:

an insurance carrier, a claim adjuster, an insurance agent, a claim administrator, a contractor, and a claimant.

3. The computer-implemented method of claim 2, wherein the insurance claim is processed by the claim administrator via access to the web pages.

4. The computer-implemented method of claim 2, wherein the insurance claim is monitored by the claim adjuster via access to the web pages.

5. The computer-implemented method of claim 2, wherein at least a portion of the claim data is submitted by the contractor via the web pages.

6. The computer-implemented method of claim 1, wherein each of the users is assigned a user identifier and a password for access to the web pages.

7. The computer-implemented method of claim 6, wherein the user identifier and the password define the claim data that may be viewed by the user.

8. The computer-implemented method of claim 7, further comprising:

receiving a user identifier and a password from one of the users;

utilizing the user identifier and the password to identify the claim data that may be viewed by the user; and

presenting one or more web pages that display the identified claim data.

9. A system for managing an insurance claim relating to an insured property, comprising:

a database server;

a server system coupled to the database server, wherein the server system;

provides a user interface that includes functionality for a plurality of users to submit a plurality of claim data, wherein the claim data comprises (a) information on the insured property, (b) information on damaged structural materials of the insured property, (c) information on the restoration of the damaged structural materials of the insured property, and (d) information on a contractor assigned to the insurance claim;

stores the claim data in the database server in association with a claim identifier; and

wherein the user interface presents one or web pages that display the claim data for the users so as to enable management of the insurance claim.

10. The system of claim 9, wherein each of the users comprises one of the following:

an insurance carrier, a claim adjuster, an insurance agent, a claim administrator, a contractor, and a claimant.

11. The system of claim 10, wherein the insurance claim is processed by the claim administrator via the user interface of the server system.

12. The system of claim 10, wherein the insurance claim is monitored by the claim adjuster via the user interface of the server system.

13. The system of claim 10, wherein at least a portion of the claim data is submitted by the contractor via the user interface of the server system.

14. The system of claim 9, wherein the server system stores a user identifier and a password for each of the users in the database server.

15. The system of claim 14, wherein the user identifier and the password define the claim data that may be viewed by the user.

16. The system of claim 15, wherein the user interface includes functionality for a user to submit a user identifier and a password, wherein the server system utilizes the user identifier and the password to identify the claim data that may be viewed by the user, and wherein the user interface presents one or more web pages that display the identified claim data.

17. A computer-implemented method for managing an insurance claim relating to an insured property, wherein the insurance claim stems from water damage to the insured property and wherein at least one drying chamber is established within the insured property, the method comprising:

receiving a plurality of claim data from a plurality of users, wherein the claim data comprises (a) information on damaged structural materials within the drying chamber and (b) information on the restoration of the damaged structural materials within the drying chamber; and

presenting one or more web pages that display the claim data for the users so as to enable management of the insurance claim.

18. The computer-implemented method of claim 17, wherein each of the users comprises one of the following:

an insurance carrier, a claim adjuster, an insurance agent, a claim administrator, a contractor, and a claimant.

19. The computer-implemented method of claim 18, wherein the insurance claim is processed by the claim administrator via access to the web pages.

20. The computer-implemented method of claim 18, wherein the insurance claim is monitored by the claim adjuster via access to the web pages.

21. The computer-implemented method of claim 18, wherein at least a portion of the claim data is submitted by the contractor via access to the web pages.

22. The computer-implemented method of claim 17, wherein the information on the damaged structural materials comprises one or more of the following:

a description of the damaged structural materials, a digital photograph of an origin of loss, a plurality of digital photographs of the damaged structural materials prior to restoration, and a plurality of thermal imaging photographs of the damaged structural materials prior to restoration.

23. The computer-implemented method of claim 22, wherein the information on the damaged structural materials is submitted by a contractor via access to the web pages.

24. The computer-implemented method of claim 17, wherein the information on the restoration of the damaged structural materials comprises one or more of the following:

a list of restoration equipment, a flooring diagram of the drying chamber, a category and a class of water loss for the drying chamber, a plurality of dimension measurements for one or more rooms within the drying chamber, a plurality of inspection readings taken on a plurality of inspection dates, and a plurality of target values for at least a portion of the inspection readings.

25. The computer-implemented method of claim 24, wherein the inspection readings comprise one or more of the following:

a plurality of temperature readings taken at a plurality of inspection locations, a plurality of relative humidity readings taken at a plurality of inspection locations, and a plurality of moisture content readings of the damaged structural materials.

26. The computer-implemented method of claim 24, wherein the data submitted by the contractor further comprises a plurality of photographs taken on a plurality of inspection dates, wherein each of the photographs comprises one or more of the following:

a digital photograph of the damaged structural materials during restoration, a thermal imaging photograph of the damaged structural materials during restoration, a digital photograph of the restoration equipment, a digital photograph of the restoration equipment implemented within the drying chamber, a digital photograph evidencing one of the inspection readings.

27. The computer-implemented method of claim 26, wherein the information on the restoration of the damaged structural materials is submitted by a contractor via access to the web pages.

28. The computer-implemented method of claim 17, further comprising utilizing the claim data to generate a plurality of additional claim data, wherein the additional claim data comprises one or more of the following:

air movement requirements for the drying chamber, dehumidification requirements for the drying chamber, a history of restoration equipment implemented within the drying chamber, a plurality of specific humidity values for a plurality of inspection dates, a graph plotting the specific humidity values in relation to the inspection dates, a plurality of grain depression values for a plurality of inspection dates, a graph plotting the grain depression values in relation to the inspection dates, a plurality of temperature values for a plurality of inspection dates, and a graph plotting the temperature values in relation to the inspection dates.

29. The computer-implemented method of claim 28, wherein the web pages also display the additional claim data for the users so as to enable management of the insurance claim.

30. A system for managing an insurance claim relating to an insured property, wherein the insurance claim stems from water damage to the insured property and wherein at least one drying chamber is established within the insured property, the system comprising:

a database server;

a server system coupled to the database server, wherein the server system;

provides a user interface that includes functionality for a plurality of users to submit a plurality of claim data, wherein the claim data comprises (a) information on damaged structural materials within the drying chamber and (b) information on the restoration of the damaged structural materials within the drying chamber;

stores the claim data in the database server in association with a claim identifier; and

wherein the user interface presents one or web pages that display the claim data for the users so as to enable management of the insurance claim.

31. The system of claim 30, wherein each of the users comprises one of the following:

an insurance carrier, a claim adjuster, an insurance agent, a claim administrator, a contractor, and a claimant.

32. The system of claim 31, wherein the insurance claim is processed by the claim administrator via the user interface of the server system.

33. The system of claim 31, wherein the insurance claim is monitored by the claim adjuster via the user interface of the server system.

34. The system of claim 31, wherein at least a portion of the claim data is submitted by the contractor via the user interface of the server system.

35. The system of claim 30, wherein the information on the damaged structural materials comprises one or more of the following:

a description of the damaged structural materials, a digital photograph of an origin of loss, a plurality of digital photographs of the damaged structural materials prior to restoration, and a plurality of thermal imaging photographs of the damaged structural materials prior to restoration.

36. The system of claim 35, wherein the information on the damaged structural materials is submitted by a contractor via the user interface of the server system.

37. The system of claim 30, wherein the information on the restoration of the damaged structural materials comprises one or more of the following:

a list of restoration equipment, a flooring diagram of the drying chamber, a category and a class of water loss for the drying chamber, a plurality of dimension measurements for one or more rooms within the drying chamber, a plurality of inspection readings taken on a plurality of inspection dates, and a plurality of target values for at least a portion of the inspection readings.

38. The system of claim 37, wherein the inspection readings comprise one or more of the following:

a plurality of temperature readings taken at a plurality of inspection locations, a plurality of relative humidity readings taken at a plurality of inspection locations, and a plurality of moisture content readings of the damaged structural materials.

39. The system of claim 37, wherein the information on the restoration of the damaged structural materials further comprises a plurality of photographs taken on a plurality of inspection dates, wherein each of the photographs comprises one or more of the following:

a digital photograph of the damaged structural materials during restoration, a thermal imaging photograph of the damaged structural materials during restoration, a digital photograph of the restoration equipment, a digital photograph of the restoration equipment implemented within the drying chamber, a digital photograph evidencing one of the inspection readings.

40. The system of claim 39, wherein the information on the restoration of the damaged structural materials is submitted by a contractor via the user interface of the server system.

41. The system of claim 30, wherein the server system utilizes the claim data to generate a plurality of additional claim data, wherein the additional claim data comprises one or more of the following:

air movement requirements for the drying chamber, dehumidification requirements for the drying chamber, a history of restoration equipment implemented within the drying chamber, a plurality of specific humidity values for a plurality of inspection dates, a graph plotting the specific humidity values in relation to the inspection dates, a plurality of grain depression values for a plurality of inspection dates, a graph plotting the grain depression values in relation to the inspection dates, a plurality of temperature values for a plurality of inspection dates, and a graph plotting the temperature values in relation to the inspection dates.

42. The system of claim 41, wherein the web pages also display the additional claim data for the users so as to enable management of the insurance claim.

43. A computer-implemented method for managing an insurance claim relating to an insured property, wherein the insurance claim stems from water damage to the insured property and wherein at least one drying chamber is established within the insured property, the method comprising:

receiving a plurality of claim data from a contractor, wherein the claim data comprises one or more of the following;

a description of damaged structural materials, a digital photograph of an origin of loss, a digital photograph of the damaged structural materials prior to restoration, a thermal imaging photograph of the damaged structural materials prior to restoration, a list of restoration equipment, a flooring diagram of the drying chamber, a class of water loss for the drying chamber, a plurality of dimension measurements for one or more rooms within the drying chamber, a plurality of temperature readings taken at a plurality of inspection locations on a plurality of inspection dates, a plurality of relative humidity readings taken at a plurality of inspection locations on a plurality of inspection dates, a plurality of moisture content readings of the damaged structural materials taken on a plurality of inspection dates, a plurality of target values for the moisture content readings, a plurality of digital photographs of the damaged structural materials on a plurality of inspection dates, a plurality of thermal imaging photographs of the damaged structural materials on a plurality of inspection dates, a plurality of digital photographs of the restoration equipment, a plurality of digital photographs of the restoration equipment implemented within the drying chamber, a plurality of digital photographs evidencing the temperature readings, a plurality of digital photographs evidencing the relative humidity readings, and a plurality of digital photographs evidencing the moisture content readings;

utilizing at least a portion of the claim data received from the contractor to generate a plurality of additional claim data, wherein the additional claim data comprises one or more of the following;

air movement requirements for the drying chamber, dehumidification requirements for the drying chamber, a history of restoration equipment implemented within the drying chamber, a plurality of specific humidity values for a plurality of inspection dates, a graph plotting the specific humidity values in relation to the inspection dates, a plurality of grain depression values for a plurality of inspection dates, a graph plotting the grain depression values in relation to the inspection dates, a plurality of temperature values for a plurality of inspection dates, and a graph plotting the temperature values in relation to the inspection dates; and

presenting one or more web pages that display the claim data and the additional claim data for a plurality of users so as to enable management of the insurance claim.

44. The computer-implemented method of claim 43, wherein each of the users comprises one of the following:

an insurance carrier, a claim adjuster, an insurance agent, a claim administrator, a contractor, and a claimant.

45. The computer-implemented method of claim 44, wherein the insurance claim is processed by the claim administrator via access to the web pages.

46. The computer-implemented method of claim 44, wherein the insurance claim is monitored by the claim adjuster via access to the web pages.

47. The computer-implemented method of claim 43, wherein each of the users is assigned a user identifier and a password for access to the web pages.

48. The computer-implemented method of claim 47, wherein the user identifier and the password define the claim data and/or the additional claim data that may be viewed by the user.

49. The computer-implemented method of claim 48, further comprising:

receiving a user identifier and a password from one of the users;

utilizing the user identifier and the password to identify the claim data and/or the additional claim data that may be viewed by the user; and

presenting one or more web pages that display the identified claim data and/or the identified additional claim data.

50. A system for managing an insurance claim relating to an insured property, wherein the insurance claim stems from water damage to the insured property and wherein at least one drying chamber is established within the insured property, the method comprising:

a database server;

a server system coupled to the database server, wherein the server system;

provides a user interface that includes functionality for a contractor to submit a plurality of claim data, wherein the claim data comprises one or more of the following;

a description of damaged structural materials, a digital photograph of an origin of loss, a digital photograph of the damaged structural materials prior to restoration, a thermal imaging photograph of the damaged structural materials prior to restoration, a list of restoration equipment, a flooring diagram of the drying chamber, a category and a class of water loss for the drying chamber, a plurality of dimension measurements for one or more rooms within the drying chamber, a plurality of temperature readings taken at a plurality of inspection locations on a plurality of inspection dates, a plurality of relative humidity readings taken at a plurality of inspection locations on a plurality of inspection dates, a plurality of moisture content readings of the damaged structural materials taken on a plurality of inspection dates, a plurality of target values for the moisture content readings, a plurality of digital photographs of the damaged structural materials on a plurality of inspection dates, a plurality of thermal imaging photographs of the damaged structural materials on a plurality of inspection dates, a plurality of digital photographs of the restoration equipment, a plurality of digital photographs of the restoration equipment implemented within the drying chamber, a plurality of digital photographs evidencing the temperature readings, a plurality of digital photographs evidencing the relative humidity readings, and a plurality of digital photographs evidencing the moisture content readings;

utilizes at least a portion of the claim data received from the contractor to generate a plurality of additional claim data, wherein the additional claim data comprises one or more of the following;

air movement requirements for the drying chamber, dehumidification requirements for the drying chamber, a history of restoration equipment implemented within the drying chamber, a plurality of specific humidity values for a plurality of inspection dates, a graph plotting the specific humidity values in relation to the inspection dates, a plurality of grain depression values for a plurality of inspection dates, a graph plotting the grain depression values in relation to the inspection dates, a plurality of temperature values for a plurality of inspection dates, and a graph plotting the temperature values in relation to the inspection dates;

stores the claim data and the additional claim data in the database server in association with a claim identifier; and

wherein the user interface presents one or web pages that display the claim data and the additional claim data for a plurality of users so as to enable management of the insurance claim.

51. The system of claim 50, wherein each of the users comprises one of the following:

an insurance carrier, a claim adjuster, an insurance agent, a claim administrator, a contractor, and a claimant.

52. The system of claim 51, wherein the insurance claim is processed by the claim administrator via the user interface of the server system.

53. The system of claim 51, wherein the insurance claim is monitored by the claim adjuster via the user interface of the server system.

54. The system of claim 50, wherein the server system stores a user identifier and a password for each of the users in the database server.

55. The system of claim 54, wherein the user identifier and the password define the claim data and/or the additional claim data that may be viewed by the user.

56. The system of claim 55, wherein the user interface includes functionality for a user to submit a user identifier and a password, wherein the server system utilizes the user identifier and the password to identify the claim data and/or the additional claim data that may be viewed by the user, and wherein the user interface presents one or more web pages that display the identified claim data and/or the identified additional claim data.