Software as a service (SAAS) featuring computer application software for calculating reconstruction cost estimates for commercial structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; Application service provider featuring application programming interface (API) software for calculating reconstruction cost estimates for commercial structures based on property-specific characteristics for use in insurance quoting and underwriting for real property insurance, appraisal, assessment, inspection and lending; Application service provider featuring application programming interface (API) software for providing property-specific characteristics and priority rankings for use in streamlining and expediting workflow of insurance claim processing for insurance carriers; Application service provider featuring application programming interface (API) software for providing business information on property occupant and for calculating estimates of the value of business contents for equipment, furniture and inventory, for use in streamlining and expediting workflow of insurance claim processing for insurance carriers