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Downloadable computer software that is used in insurance claims handling and that allows for insurance claims personnel and insurance policyholders, namely, to prepare insurance claims estimates for the restoration, repair and replacement of property, to audit repair estimates for errors, to perform real-time exchange and analysis of property valuation data and insurance claims estimates, to compile accurate property valuations by creating replacement cost estimates; Cost estimation software to estimate the cost of building, remodeling, replacing or repairing structures and property and for the insured real and personal property of home owners; Graphics-based construction estimation software to estimate the cost of building or repairing structures for use by the construction and insurance industries