Dynamic Insurance Adjuster Assignment via GPS and Mobile Notifications
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Solution Overview
Problem
The current process for assigning insurance adjusters is slow and inefficient, leading to delayed claim responses and increased costs, as insurers struggle to quickly deploy adjusters to locations with high claim volumes, especially during catastrophic events.
Innovation Solution
A system that dynamically assigns insurance adjusters based on their location, skills, and availability, using a mobile application to search for candidates within a specified range of a loss location and transmit assignment notifications, allowing for real-time monitoring and assignment of personnel.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If insurers use traditional bulk request processes from staffing vendors, then they can obtain independent adjusters, but the process is slow and leads to delayed claim responses
Solution Approach 1:
The patent replaces the manual mechanical process of vendors contacting adjusters sequentially with an automated electronic system that uses mobile devices, GPS location tracking, and automated notifications to identify and assign adjusters dynamically based on real-time location and availability data
Solution Approach 2:
The system performs preliminary actions by pre-establishing a database of independent adjusters with their location and availability information stored in the system before claims occur, allowing rapid deployment when losses are reported without needing to contact adjusters from scratch during catastrophic events
2Productivity
If insurers request adjusters in bulk from vendors, then they can field claims, but costs increase with each delay
Solution Approach 1:
The system implements dynamic assignment where adjusters are automatically assigned to the nearest available losses based on real-time location data, optimizing route efficiency and reducing travel time and costs while maximizing claim handling capacity during catastrophic events
3Reliability
If vendors go down rosters attempting to contact adjusters, then they can determine availability, but the process is inefficient and slow
Solution Approach 1:
The system uses automated feedback mechanisms where the mobile application on adjusters' devices automatically receives and responds to assignment notifications, providing real-time confirmation of availability and assignment status without manual vendor intervention, significantly improving both reliability and efficiency
Data Source
AI summary
The present disclosure describes, in one implementation, an assignment for an insurance claim of a loss is identified, the assignment specifying a loss location. A first set of candidate user profiles are searched for from a plurality of profiles, where each profile in the plurality of user profiles corresponds to a particular insurance adjuster and at least one associated device. Searching can include determining that a location associated with a particular device is within a first search range of the loss location, and identifying the profile corresponding to the device as one of the first set of candidate user profiles. An assignment notification is transmitted to each of the devices associated with the first set of candidate user profiles. Upon receiving a response to the assignment notification from a device associated with a profile, the assignment is assigned to the first insurance adjuster associated with the profile.