INSURANCE ADJUSTER CLAIM SCOPING

• US 20150248730A1
• Filed: 02/27/2015
• Published: 09/03/2015
• Est. Priority Date: 02/28/2014
• Status: Abandoned Application

• Current Assignee: Pilot Catastrophe Services Incorporated
• Original Assignee: Pilot Catastrophe Services Incorporated
• Inventors: Keenan, Colm M., Pilot, Curtis Frederick
• Application Number:
  US14/634,504
• Publication Number:
  US 20150248730A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/0633 Workflow analysis
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/18 Legal services

Abstract

An electronic insurance claim scoping method and system are configured to instantiate a scoping software application on a portable computing device used by an insurance claims adjuster. The portable computing device retrieves a record identifying an insurance claim assigned to the claims adjuster wherein the insurance claim is directed to damage to an improvement located on a subject real property. A scope record is presented on a display associated with the portable computing device, and first a plurality of entries of the scope record associated with the insurance claim is populated. From the claims adjuster, the portable computing device accepts user input associated with the subject real property that is associated with the insurance claim. A second plurality of entries of the scope record is populated with information based on user input from the claims adjuster, and the scope record is communicated to a remote computing server.

Claims

1. An electronic insurance claim scoping system, comprising:

a processor;

an input/output interface coupled to the processor and configured to accept data for processing by the processor and configured to communicate data processed by the processor; and

a memory associated with the processor, the memory including software instructions executable by the processor, the software instructions arranged to direct operations of the electronic insurance claim scoping system via a plurality of modules, the operations including;

receiving insurance claim assignments from a first external system;

for each received insurance claim assignment, checking a second external system for availability of property-specific information associated with the respective received insurance claim assignment;

automatically downloading available property specification information;

accepting an adjuster log-in from a remote device associated with the adjuster;

selecting an insurance claim assigned to the logged-in adjuster;

communicating information associated with the selected insurance claim to the remote device associated with the adjuster;

accepting a loss information report associated with the selected insurance claim, the loss information formed via a scoping application executed on the remote device associated with the adjuster;

the plurality of modules including;

a user management module, the user management module configured to manage individual users of the electronic insurance claim scoping system, the individual users organizable into a plurality of user permission groups; and

a dashboard module, the dashboard module configured to display information to a first user of the electronic insurance claim scoping system based on a membership designation of the first user in at least one of the plurality of user permission groups.

2. The electronic insurance claim scoping system of claim 1 wherein the plurality of modules further includes:

a location services module, the location services module configured to;

receive geographic location information from the remote device associated with the logged-in adjuster; and

automatically locate an insurance claim number of an insurance claim associated with the geographic location information.

3. The electronic insurance claim scoping system of claim 2 wherein the location services module is further configured to:

automatically locate a map of an area associated with the geographic location information.

4. The electronic insurance claim scoping system of claim 2 wherein the location services module is further configured to:

associate the geographic location information with information received from the remote device associated with the logged-in adjuster.

5. The electronic insurance claim scoping system of claim 1 wherein the plurality of modules further includes:

a workflow generation module, the workflow generation module configured to generate a workflow associated with the selected insurance claim, the workflow displayable as a flowchart having a plurality of node objects coupled together by a plurality of connectors, the workflow configured to direct the logged-in adjuster to perform actions associated with the selected insurance claim.

6. The electronic insurance claim scoping system of claim 5 wherein at least some of the plurality of node objects of the workflow are configured to store data linked to the respective node object.

7. The electronic insurance claim scoping system of claim 5 wherein the workflow generation module configured to generate the workflow associated with the selected insurance claim is further configured to:

present a flowchart-based interface;

permit the first user to select at least two node objects from a pool of template node objects, the pool of template node objects including;

a label node object configurable to present an instruction;

a Boolean node object configurable to identify an available plurality of next node objects, a selection of a next node object based on at least one Boolean condition;

a numeric answer node object, the numeric answer node object configurable to accept numeric nodal user input; and

a text answer node object, the text answer node object configurable to accept textual nodal user input.

8. The electronic insurance claim scoping system of claim 7 wherein the pool of template node objects further includes:

an audio answer node object, the audio answer node object configurable to accept audio nodal user input; and

a take-photo node object, the take-photo node object configurable to present a prompt to a user of the remote device, the prompt requesting a digital image nodal input, the take-photo node object further configurable to accept a digital image.

9. The electronic insurance claim scoping system of claim 7 wherein the pool of template node objects further includes:

a list of values node object, the list of values node object configurable to present a drop down list and further configurable to accept drop down list selection nodal user input;

a measurement node object, the measurement node object configurable to accept measurement nodal user input, the measurement nodal user input conforming to a selected units of measure; and

a load material list node object, the load material list node object configurable to present a list of materials and further configurable to accept list selection nodal user input, the list selection nodal user input identifying at least one material on the load material list.

10. A non-transitory computer readable medium having computer executable instructions thereon that, when executed, cause a processor to create, control, or manage an insurance claim workflow, comprising:

presenting a flowchart-based interface;

accepting user input selecting at least two node objects from a pool of template node objects, the pool of template node objects including;

a label node object configurable to present an instruction;

a Boolean node object configurable to identify an available plurality of next node objects, a selection of a next node object based on at least one Boolean condition;

a numeric answer node object, the numeric answer node object configurable to accept numeric nodal user input; and

a text answer node object, the text answer node object configurable to accept textual nodal user input;

accepting user input positioning the selected node objects on a workspace;

accepting user input associating presentable information with at least one of the selected node objects, the presentable information linked to the at least one of the selected node objects and presentable when the insurance claim workflow is displayed;

accepting user input coupling a plurality of nodes via at least one connector object;

displaying the insurance claim workflow as a flowchart having the at least two selected node objects coupled via the at least one accepted connector object; and

associating the insurance claim workflow with an insurance claim record.

11. The non-transitory computer readable medium of claim 10 wherein the pool of template node objects further includes:

an audio answer node object, the audio answer node object configurable to accept audio nodal user input;

a take-photo node object, the take-photo node object configurable to present a prompt to a user, the prompt requesting a digital image nodal input, the take-photo node object further configurable to accept a digital image;

a list of values node object, the list of values node object configurable to present a drop down list and further configurable to accept drop down list selection nodal user input;

a measurement node object, the measurement node object configurable to accept measurement nodal user input, the measurement nodal user input conforming to a selected unit of measure; and

a load material list node object, the load material list node object configurable to present a list of materials and further configurable to accept list selection nodal user input, the list selection nodal user input identifying at least one material on the load material list.

12. The non-transitory computer readable medium of claim 10 having computer executable instructions thereon that, when executed, cause the processor to create, control, or manage the insurance claim workflow, further comprising:

communicating the insurance claim workflow to a remote computing device;

receiving an updated insurance claim workflow from the remote computing device, the updated insurance claim workflow having information linked to at least one of the selected node objects; and

processing the linked information.

13. An electronic insurance claim scoping method, comprising:

instantiating a scoping software application on a portable computing device;

retrieving a record identifying an insurance claim assigned to a first user of the portable computing device wherein the insurance claim is directed to damage to an improvement located on a subject real property;

retrieving a workflow associated with the record, the workflow displayable as a flowchart having a plurality of node objects coupled together by a plurality of connectors, the workflow configured to direct the first user to perform actions associated with the insurance claim;

populating a first plurality of entries of the workflow;

displaying on a display device of the portable computing device at least a portion of the workflow;

accepting workflow user input, the workflow user input configured to identify a node object of the workflow;

accepting nodal user input, the nodal user input including information regarding the subject real property;

linking the nodal user input with the identified node object; and

communicating the workflow to a remote computing server.

14. The method of claim 13, comprising:

authenticating the first user of the portable computing device based on an insurance adjuster identification record.

15. The method of claim 13, comprising:

generating a scripted voice prompt with a speech synthesis engine, the scripted voice prompt corresponding to an audio answer node object of the workflow, the scripted voice prompt requesting information from the first user; and

playing the scripted voice prompt via an audio output apparatus of the portable computing device.

16. The method of claim 15 wherein the scripted voice prompt is generated according to a stored template.

17. The method of claim 15, comprising:

generating scripted voice prompts with a speech synthesis engine, the scripted voice prompts corresponding to an audio answer node object of the workflow, the voice prompts requesting information from the first user; and

accepting additional nodal user input in response to the scripted voice prompt, the additional nodal user input including at least one of;

audio input captured with an audio input apparatus of the portable computing device,

electronic image input captured with a camera apparatus of the portable computing device, and

text input captured with a text input apparatus of the portable computing device.

18. The method of claim 13, comprising:

importing at least one electronic image file, the electronic image file representing a digital image of at least some portion of the property;

passing the at least one electronic image file to a display device associated with the portable computing device; and

linking the at least one electronic image file to the identified node object of the workflow.

19. The method of claim 13 wherein the plurality of node objects are selected from a pool of node objects, the pool comprising:

a label node object configured to present an instruction and further configured to not accept nodal user input;

a Boolean node object configured to identify an available plurality of next node objects, a selected next node object based on at least one Boolean condition;

a numeric answer node object, the numeric answer node object configured to accept numeric nodal user input;

a text answer node object, the text answer node object configured to accept textual nodal user input;

an audio answer node object, the audio answer node object configured to accept audio nodal user input;

a list of values node object, the list of values node object configured to present a drop down list and further configured to accept drop down list selection nodal user input;

a measurement node object, the measurement node object configured to accept measurement nodal user input, the measurement nodal user input conforming to a selected units of measure;

a load material list node object, the load material list node object configured to present a list of materials and further configured to accept list selection nodal user input, the list selection nodal user input identifying at least one material on the load material list; and

a take-photo node object, the take-photo node object configured to present a prompt to a user of the portable computing device, the prompt requesting a digital image nodal input, the take-photo node object further configured to accept a digital image.

20. The method of claim 13, comprising:

performing an automated cost estimate based on the workflow.