Providing electronic tools, namely, software recorded on disks and downloadable software that is used in insurance claims handling and that allows for collaboration among insurance underwriters, insurance claims personnel and insurance policyholders, namely, providing users with the ability to capture, validate and analyze insurance underwriting data and insurance claims data, to assign personnel to handle insurance claims, to prepare insurance claims estimates for the restoration, repair and replacement of property, to audit repair estimates for errors, to perform real-time exchange and analysis of property valuation data and insurance claims estimates, to compile accurate property valuations by creating replacement cost estimates, to provide data about insured properties, to create estimates of a property's value in order to calculate insurance premiums, to track the progress of insurance claims from the initiation of a claim through investigation, estimation, and settlement of the claim, and to calculate for insurance policyholders the adequate and necessary insurance coverage for their property

Providing electronic storage of insurance claims, insurance property valuations and insurance policyholder information