Claims adjuster allocation

A non-transitory computer-readable storage medium having computer-executable program instructions stored thereon that when executed by a processor of a central adjuster control unit, cause the processor to perform steps comprising:

• determining, by the processor, based on one or more factors associated with a zone, a region where a catastrophic event may occur, wherein the determining comprises real-time monitoring of sensor data associated with the region before the catastrophic event occurs;
• estimating, by the processor, a number of potential claims in the region should the catastrophic event occur, wherein the estimating comprises compiling and evaluating the sensor data on at least one of wind speed, rainfall, fire speed, water speed, water depth, or earthquake magnitude, wherein the sensor data is measured by one or more physical sensors;
• determining, by the processor, a plurality of claims adjusters for handling the number of potential claims in the region should the catastrophic event occur;
• storing, by the processor, an identity of each of the plurality of claims adjusters in a memory of the central adjuster control unit;
• receiving, by the processor, a plurality of insurance-related claims through a communication network associated with the central adjuster control unit;
• continuously monitoring, by the processor, workloads of the plurality of claims adjusters to detect when a claims adjuster has capacity below the threshold number;
• and
• automatically assigning, by the processor, based on one or more assignment rules, a portion of the plurality of insurance-related claims to each of the plurality of claims adjusters, wherein at least one of the one or more assignment rules indicates a threshold number of insurance-related claims available for assignment to each of a portion of the plurality of claims adjusters;
• responsive to each of the plurality of claims adjusters being assigned the portion of the plurality of insurance-related claims up to the threshold number of insurance-related claims automatically assigning a remainder of the plurality of insurance-related claims to a capacity entity, wherein the capacity entity comprises a designated memory location within the central adjuster control unit that stores information related to the identity of insurance-related claims awaiting adjuster assignment;
• and
• responsive to a claims adjuster of the plurality of claims adjusters being subsequently determined to have less than the threshold number of insurance-related claims, automatically re-assigning one or more of the insurance-related claims from the capacity entity to the claim adjuster up to the threshold number of insurance-related claims, wherein the automatic re-assigning occurs without manual intervention upon detection of capacity below the threshold number.

An apparatus comprising:

• a processor of a central adjuster control unit;
• and
• a memory configured to store computer-readable instructions that, when executed by the processor, cause the processor to perform steps comprising:
• determining, by the processor, based on one or more factors associated with a zone, a region where a catastrophic event may occur, wherein the determining comprises real-time monitoring of sensor data associated with the region before the catastrophic event occurs;
• estimating, by the processor, a number of potential claims in the region should the catastrophic event occur, wherein the estimating comprises compiling and evaluating the sensor data on at least one of wind speed, rainfall, fire speed, water speed, water depth, or earthquake magnitude, wherein the sensor data is measured by one or more physical sensors;
• determining, by the processor, a plurality of claims adjusters for handling the number of potential claims in the region should the catastrophic event occur;
• storing, by the processor, an identify identity of each of the plurality of claims adjusters in the memory;
• receiving, by the processor, a plurality of insurance-related claims through a communication network associated with the central adjuster control unit;
• and
• automatically assigning, by the processor, based on one or more assignment rules, a portion of the plurality of insurance-related claims to each of the plurality of claims adjusters, wherein at least one of the one or more assignment rules indicates a threshold number of insurance-related claims available for assignment to each of a portion of the plurality of claims adjusters;
• responsive to each of the plurality of claims adjusters being assigned the portion of the plurality of insurance-related claims up to the threshold number of insurance-related claims, automatically assigning a remainder of the plurality of insurance-related claims to a capacity entity, wherein the capacity entity comprises a designated memory location within the central adjuster control unit that stores information related to the identity of insurance-related claims awaiting adjuster assignment;
• continuously monitoring, by the processor, workloads of the plurality of claims adjusters to detect when a claims adjuster has capacity below the threshold number;
• and
• responsive to a claims adjuster of the plurality of claims adjusters being subsequently determined to have less than the threshold number of insurance-related claims, automatically re-assigning one or more of the insurance-related claims from the
• capacity entity to the claims adjuster up to the threshold number of insurance-related claims, wherein the automatic re-assigning occurs without manual intervention upon detection of capacity below the threshold number.