CLAIM SUMMARY AND CLAIM WATCH SYSTEM AND METHOD

• US 20150032482A1
• Filed: 07/29/2013
• Published: 01/29/2015
• Est. Priority Date: 07/29/2013
• Status: Abandoned Application

• Current Assignee: Independent Mitigation and Cleaning/Conservation Network Incorporated
• Original Assignee: Independent Mitigation and Cleaning/Conservation Network Incorporated
• Inventors: HARMON, Patrick H., HART, Nathan
• Application Number:
  US13/952,876
• Publication Number:
  US 20150032482A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06F 3/0481 based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A claim summary server causes to be displayed an insurance claim summary page associated with an insurance claim. The insurance claim summary page includes identifying information and job information related to the insurance claim. When selection of a job title in the job information occurs, the server causes to be displayed detailed information about a job associated with the insurance claim. When selection of a dollar amount in the job information occurs, the server causes to be displayed an original written estimate. When an estimate processing option in the job information is selected, the server performs the selected processing option. A claim watch server receives notification that an insurance claim requires special attention. The claim watch server receives notification of a predefined reason for why the special attention is required. The claim watch server demarcates the insurance claim as requiring the special attention.

Claims

1. An insurance claim summary server comprising:

a transceiver operable to transmit and receive communications over at least a portion of a network;

an electronic data storage; and

a processor cooperatively operable with the transceiver and the electronic data storage, the processor being configured to;

cause to be displayed an insurance claim summary page associated with an insurance claim associated with a claim number, the insurance claim summary page including;

identifying information including the claim number and a subject of the insurance claim, and

job information related to one or more jobs completed, being undertaken, or intended to be undertaken with respect to the subject of the insurance claim, the job information including, for each of the one or more jobs, a job title, a dollar amount, which is an estimated cost provided in an original written estimate to complete the respective job, and a plurality of estimate processing options;

when selection of the job title occurs, cause to be displayed detailed information about a respective job;

when selection of the dollar amount occurs, cause to be displayed the original written estimate; and

when any one of the plurality of estimate processing options is selected, perform the selected processing option with respect to the original written estimate.

2. The insurance claim summary server according to claim 1, wherein

the plurality of estimate processing options includes reviewing the original written estimate, approving the original written estimate, and denying the original written estimate.

3. The insurance claim summary server according to claim 2, wherein

the processor is further configured to, when reviewing the original written estimate is selected, cause to be displayed the original written estimate such that one or more items comprising the original written estimate can be noted for further action.

4. The insurance claim summary server according to claim 3, wherein

the job information further includes a second dollar amount, which is a difference between the estimated cost provided in the original written estimate to complete the respective job and a revised cost provided in a revised estimate to complete the respective job, and

the processor if further configured to, when the second dollar amount is selected, cause to be displayed the revised written estimate.

5. The insurance claim summary server according to claim 1, wherein

the insurance claim summary page further includes a list of one or more additional claim numbers, and

the processor if further configured to, when any of the list of one or more additional claim numbers is selected, cause to be displayed an insurance claim summary page associated with an additional insurance claim associated with the selected additional claim number.

6. The insurance claim summary server according to claim 1, wherein

the insurance claim summary page further includes one or more photographs of the subject of insurance claim, and

the processor if further configured to, when any of the one or more photographs of the subject of the insurance claims is selected, cause to be displayed an enlarged image of the selected photograph.

7. The insurance claim summary server according to claim 6, wherein

the one or more photographs include photographs of one or more of a front outside of a building, a source of loss, a best example of damage, a best example of damage close-up, and a best example of completed work.

8. The insurance claim summary server according to claim 7, wherein the processor is further configured to

cause to be displayed a brief description of each of the one or more photographs.

9. The insurance claim summary server according to claim 1, wherein

the insurance claim summary page further includes claim description information, which is one or more of comments received by the processor describing one or more of a loss with respect to the subject of the insurance claim and information related to the progress of the one or more jobs in satisfying the insurance claim.

10. The insurance claim summary server according to claim 1, wherein

the job title is one of contents, electronics, hazmat, mitigation, reconstruction, textile reconstruction, tree, and mold remediation.

11. An insurance claim summary method, implemented in an insurance claim summary server comprising a transceiver, an electronic data storage, and a processor cooperatively operable with the transceiver and the electronic data storage, the method comprising:

causing by the processor an insurance claim summary page associated with an insurance claim associated with a claim number to be displayed, the insurance claim summary page including;

identifying information including the claim number and a subject of the insurance claim, and

job information related to one or more jobs completed, being undertaken, or intended to be undertaken with respect to the subject of the insurance claim, the job information including, for each of the one or more jobs, a job title, a dollar amount, which is an estimated cost provided in an original written estimate to complete the respective job, and a plurality of estimate processing options;

when selection of the job title occurs, causing by the processor detailed information about a respective job to be displayed;

when selection of the dollar amount occurs, causing by the processor the original written estimate to be displayed; and

when selection of any of the plurality of processing options occurs, performing by the processor the selected processing option with respect to the original written estimate.

12. The insurance claim summary method according to claim 11, wherein

the plurality of estimate processing options includes reviewing the original written estimate, approving the original written estimate, and denying the original written estimate.

13. The insurance claim summary method according to claim 12, further comprising:

when reviewing the original written estimate is selected, causing by the processor the original written estimate to be displayed such that one or more items comprising the original written estimate can be noted for further action.

14. The insurance claim summary method according to claim 13, wherein

the job information further includes a second dollar amount, which is a difference between the estimated cost provided in the original written estimate to complete the respective job and a revised cost provided in a revised estimate to complete the respective job, and

the insurance claim summary method further comprises, when the second dollar amount is selected, causing by the processor the revised written estimate to be displayed.

15. The insurance claim summary method according to claim 11, wherein

the insurance claim summary page further includes a list of one or more additional claim numbers, and

the insurance claim summary method further comprises, when any of the list of one or more additional claims numbers is selected, causing by the processor an insurance claim summary page associated with an additional insurance claim associated with the selected additional claim number to be displayed.

16. The insurance claim summary method according to claim 11, wherein

the insurance claim summary page further includes one or more photographs of the subject of insurance claim, and

the insurance claim summary method further comprises, when any of the one or more photographs of the subject of insurance claim is selected, causing by the processor an enlarged image of the selected photograph to be displayed.

17. The insurance claim summary method according to claim 16, wherein

the one or more photographs include photographs of one or more of a front outside of a building, a source of loss, a best example of damage, a best example of damage close-up, and a best example of completed work.

18. The insurance claim summary method according to claim 17, further comprising:

causing by the processor a brief description of each of the one or more photographs to be displayed.

19. The insurance claim summary method according to claim 11, wherein

the insurance claim summary page further includes claim description information, which is one or more of comments received by the processor describing one or more of a loss with respect to the subject of the insurance claim and information related to the progress of the one or more jobs in satisfying the insurance claim.

20. The insurance claim summary method according to claim 11, wherein

the job title is one of contents, electronics, hazmat, mitigation, reconstruction, textile reconstruction, tree, and mold remediation.

21. A non-transitory computer-readable storage medium with instructions stored thereon, that when executed by an insurance claim summary sever computer comprising a transceiver, an electronic data storage, and processor cooperatively operable with the transceiver and the electronic data storage, cause the insurance claim summary server computer to perform an insurance claim summary method comprising:

causing by the processor an insurance claim summary page associated with an insurance claim associated with a claim number to be displayed, the insurance claim summary page including;

identifying information including the claim number and a subject of the insurance claim, and

job information related to one or more jobs completed, being undertaken, or intended to be undertaken with respect to the subject of the insurance claim, the job information including, for each of the one or more jobs, a job title, a dollar amount, which is an estimated cost provided in an original written estimate to complete the respective job, and a plurality of estimate processing options;

when selection of the job title occurs, causing by the processor detailed information about a respective job to be displayed;

when selection of the dollar amount occurs, causing by the processor the original written estimate to be displayed; and

when selection of any of the plurality of processing options occurs, performing by the processor the selected estimate processing option with respect to the original written estimate.

22. The non-transitory computer-readable storage medium according to claim 21, wherein

the plurality of estimate processing options includes reviewing the original written estimate, approving the original written estimate, and denying the original written estimate.

23. The non-transitory computer-readable storage medium according to claim 22, wherein the method further comprises:

when reviewing the original written estimate is selected, causing by the processor the original written estimate to be displayed such that one or more items comprising the original written estimate can be noted for further action.

24. The non-transitory computer-readable storage medium according to claim 23, wherein

the job information further includes a second dollar amount, which is a difference between the estimated cost provided in the original written estimate to complete the respective job and a revised cost provided in a revised estimate to complete the respective job, and

the insurance claim summary method further comprises, when the second dollar amount is selected, causing by the processor the revised written estimate to be displayed.

25. The non-transitory computer-readable storage medium according to claim 21, wherein

the insurance claim summary page further includes a list of one or more additional claim numbers, and

the insurance claim summary method further comprises, when any of the list of one or more additional claims numbers is selected, causing by the processor an insurance claim summary page associated with an additional insurance claim associated with the selected additional claim number to be displayed.

26. The non-transitory computer-readable storage medium according to claim 21, wherein

the insurance claim summary page further includes one or more photographs of the subject of insurance claim,

the insurance claim summary method further comprises, when any of the one or more photographs of the subject of insurance claim is selected, causing by the processor an enlarged image of the selected photograph to be displayed.

27. The non-transitory computer-readable storage medium according to claim 26, wherein

the one or more photographs include photographs of one or more of a front outside of a building, a source of loss, a best example of damage, a best example of damage close-up, and a best example of completed work.

28. The non-transitory computer-readable storage medium according to claim 27, wherein the method further comprises:

causing by the processor a brief description of each of the one or more photographs to be displayed.

29. The non-transitory computer-readable storage medium according to claim 21, wherein

the insurance claim summary page further includes claim description information, which is one or more of comments received by the processor describing one or more of a loss with respect to the subject of the insurance claim and information related to the progress of the one or more jobs in satisfying the insurance claim.

30. The non-transitory computer-readable storage medium according to claim 21, wherein

the job title is one of contents, electronics, hazmat, mitigation, reconstruction, textile reconstruction, tree, and mold remediation.

31. An insurance claim watch server comprising:

a transceiver operable to transmit and receive communications over at least a portion of a network;

an electronic data storage; and

a processor cooperatively operable with the transceiver and the electronic data storage, the processor being configured to

receive notification that an insurance claim, associated with a claim number, requires special attention,

receive notification of a predefined reason, chosen from among a plurality of predefined reasons, for why the special attention is required, and

demarcate the insurance claim as requiring the special attention.

32. The insurance claim watch server according to claim 31, wherein the processor is further configured to:

prior to demarcating the insurance claim as requiring the special attention, cause to be displayed a prompt to provide a written description of why the insurance claim requires the special attention, and

receive the written description when provided in response to the prompt.

33. The insurance claim watch server according to claim 32, wherein the processor is further configured to:

cause claim data related to the insurance claim to be displayed along with an indication that the insurance claim requires the special attention, the claim data including the claim number, the predefined reason, and when provided, the written description.

34. The insurance claim watch server according to claim 31, wherein the processor is further configured to:

subsequent to the insurance claim being demarcated as requiring the special attention, cause to be displayed a prompt to provide, related to one or more of the insurance claim, the predefined reason, and when provided, the written description,

one or more of an additional written entry, a statement of an action that needs to be taken, and a document

35. The insurance claim watch server according to claim 34, wherein the processor is further configured to:

receive the one or more of the additional written entry, the statement of action that needs to be taken, and the document,

when the additional written entry is received, cause to be displayed the written entry,

when the document is received, cause to be displayed a link to the written document, and

when the link to the written document is selected, cause to be displayed the written document in full.

36. The insurance claim watch server according to claim 35, wherein the processor is further configured to:

when the statement of action is received, cause to be displayed the statement of action and a completion indicator that indicates whether an action described by the statement of action has been completed or is incomplete.

37. The insurance claim watch server according to claim 36, wherein the processor is further configured to:

receive a notification that the action described by the statement of action has been completed, and

when the notification is received, cause the selection indicator to indicate that the action described by the statement of action has been completed.

38. The insurance claim watch server according to claim 33, wherein

the predefined reason is one of adjuster complaint, content issues, warranty, estimate problems, general contractor complaint, home damaged during repairs, overscope, payment, punchlist items, workmanship, program compliance, defalcation, misrepresented cancellation, audit, large loss, and negative survey result.

39. An insurance claim watch method, implemented in an insurance claim watch server comprising a transceiver, an electronic data storage, and a processor cooperatively operable with the transceiver and the electronic data storage, the method comprising:

receiving by the processor notification that an insurance claim, associated with a claim number, requires special attention;

receiving by the processor notification of a predefined reason, chosen from among a plurality of predefined reasons, for why the special attention is required, and

demarcating by the processor the insurance claim as requiring the special attention.

40. The insurance claim watch method according to claim 39, further comprising:

prior to demarcating the insurance claim as requiring the special attention, causing by the processor a prompt to provide a written description of why the insurance claim requires the special attention to be displayed, and

receiving by the processor, when provided in response to the prompt, the written description.

41. The insurance claim watch method according to claim 40, further comprising:

causing by the processor claim data related to the insurance claim to be displayed along with an indication that the insurance claim requires the special attention, the claim data including the claim number, the predefined reason, and when provided, the written description.

42. The insurance claim watch method according to claim 39, further comprising:

subsequent to the insurance claim being demarcated as requiring the special attention, causing by the processor a prompt to be displayed to provide, related to one or more of the insurance claim, the predefined reason, and when provided, the written description,

one or more of an additional written entry, a statement of an action that needs to be taken, and a document

43. The insurance claim watch method according to claim 42, further comprising:

receiving by the processor the one or more of the additional written entry, the statement of action that needs to be taken, and the document;

when the additional written entry is received, causing by the processor the written entry to be displayed;

when the document is received, causing by the processor a link to the written document to be displayed; and

when the link to the written document is selected, causing by the processor the written document in full to be displayed.

44. The insurance claim watch method according to claim 43, further comprising:

when the statement of action is received, causing by the processor the statement of action and a completion indicator that indicates whether an action described by the statement of action has been completed or is incomplete to be displayed.

45. The insurance claim watch method according to claim 44, further comprising:

receiving by the processor a notification that the action described by the statement of action has been completed; and

when the notification is received, causing by the processor the selection indicator as indicating that the action described by the statement of action has been completed to be displayed.

46. The insurance claim watch method according to claim 41, wherein

the predefined reason is one of adjuster complaint, content issues, warranty, estimate problems, general contractor complaint, home damaged during repairs, overscope, payment, punchlist items, workmanship, program compliance, defalcation, misrepresented cancellation, audit, large loss, and negative survey result.

47. A non-transitory computer-readable storage medium with instructions stored thereon, that when executed by an insurance claim watch sever computer comprising a transceiver, an electronic data storage, and processor cooperatively operable with the transceiver and the electronic data storage, cause the insurance claim watch server to perform an insurance claim watch method comprising:

receiving by the processor notification that an insurance claim, associated with a claim number, requires special attention;

receiving by the processor notification of a predefined reason, chosen from among a plurality of predefined reasons, for why the special attention is required, and

demarcating by the processor the insurance claim as requiring the special attention.

48. The non-transitory computer-readable storage medium according to claim 47, wherein the method further comprises:

prior to demarcating the insurance claim as requiring the special attention, causing by the processor a prompt to provide a written description of why the insurance claim requires special attention to be displayed, and

receiving by the processor, when provided in response to the prompt, the written description.

49. The non-transitory computer-readable storage medium according to claim 48, wherein the method further comprises:

causing by the processor claim data related to the insurance claim to be displayed along with an indication that the insurance claim requires the special attention, the claim data including the claim number, the predefined reason, and when provided, the written description.

50. The non-transitory computer-readable storage medium according to claim 47, wherein the method further comprises:

subsequent to the insurance claim being demarcated as requiring the special attention, causing by the processor a prompt to be displayed to provide, related to one or more of the insurance claim, the predefined reason, and when provided, the written description,

one or more of an additional written entry, a statement of an action that needs to be taken, and a document

51. The non-transitory computer-readable storage medium according to claim 50, wherein the method further comprises:

receiving by the processor the one or more of the additional written entry, the statement of action that needs to be taken, and the document;

when the additional written entry is received, causing by the processor the written entry to be displayed;

when the document is received, causing by the processor a link to the written document to be displayed; and

when the link to the written document is selected, causing by the processor the written document in full to be displayed.

52. The non-transitory computer-readable storage medium according to claim 51, wherein the method further comprises:

when the statement of action is received, causing by the processor the statement of action and a completion indicator that indicates whether an action described by the statement of action has been completed or is incomplete to be displayed.

53. The non-transitory computer-readable storage medium according to claim 52, wherein the method further comprises:

receiving by the processor a notification that the action described by the statement of action has been completed; and

when the notification is received, causing by the processor the selection indicator as indicating that the action described by the statement of action has been completed to be displayed.

54. The non-transitory computer-readable storage medium according to claim 49, wherein

the predefined reason is one of adjuster complaint, content issues, warranty, estimate problems, general contractor complaint, home damaged during repairs, overscope, payment, punchlist items, workmanship, program compliance, defalcation, misrepresented cancellation, audit, large loss, and negative survey result.