| 主权项 |
1. A system for managing insurance claims associated with property upgrades for an insured property to provide upgrades in accordance with universal design principles to an affected room of an insured property, comprising:
a data storage device for storing data associated with a property insurance information database; a computer processor configured to execute program instructions and to retrieve the data associated with the property insurance information database from the data storage device; and a memory, coupled to the computer processor, storing program instructions for execution by the computer processor to:
receive, from a remote user, property insurance data submitted electronically in connection with a loss event related to the insured property, the insurance data including data identifying a room affected by the loss event;determine if the loss event qualifies for the upgrade, the determining including determining whether the affected room is a room type eligible for an upgrade;responsive to determining that the loss event qualifies for the upgrade, communicate to the remote user that the user is eligible for the upgrade;receive upgrade expense information from the remote user;validate the upgrade expense information from the remote user, the validating including determining whether the upgrade expense information is indicative of an upgrade in accordance with universal design principles; andresponsive to determining in the validating that the upgrade expenses of the upgrade expense information are covered, provide a payment for the validated upgrade expense subject to an upgrade coverage limit and exhaustion of a base coverage amount for the loss event. |
