Software as a service (SAAS) services featuring software for use in reviewing and analyzing property insurance claim settlement estimates against insurance carrier or third-party guidelines for quality assurance and identification of coverage exceptions in the field of property insurance; Software as a service (SAAS) services featuring software for insurance carriers and agents for accessing, capturing, processing, reviewing, and analyzing insurance claim settlement estimates; Quality control for others, namely, providing quality assurance programs for property insurance; temporary use of non-downloadable software for use in the generation of efficient and consistent claim estimates for the reviewing, processing and adjudication of property insurance claims