HOW A CLAIM FILE MOVES  •  HONEST UI WITH ZERO VAPORWARE  •  ✦ $80/SEAT FLAT • POLICYHOLDERS FREE
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THE CLAIM HIVE LIFECYCLE

How a file actually moves.
From intake to settlement check.

We didn't invent 40 convoluted modules. We built the exact 5 linear stages a Public Adjuster needs to move a claim file forward, defeat carrier stalls, and never miss a statutory cutoff date.

STAGE 01 INTAKE & DOCKETING

Upload contract. Clock starts ticking automatically.

Drag in the signed representation agreement and carrier declaration page. Claim Hive instantly extracts the policy limits (Coverage A, B, C, D), deductible, and state statutory Proof of Loss (POL) cutoff dates.

  • ✓ Automated 60-Day POL Vault: Pre-schedules carrier notifications 14, 7, and 3 days before cutoff.
  • ✓ Deductible & Endorsement Audit: Flags cosmetic roof exclusions and percentage hurricane deductibles instantly.
  • ✓ Multi-Carrier Contact Vault: Pre-populates certified claims department email and fax lines.
  • ✦ Native In-App E-Signatures Roadmap: Q1 2027: Send representation agreements and Proof of Loss affidavits for instant, ESIGN-compliant signing.
file_intake_docket.json
CLAIM #2026-FL-0881 POL: 42 DAYS REMAINING
Policyholder: Henderson Residence (Naples, FL)
Carrier: Citizens Property Insurance Corp
Coverage A: $625,000.00  |  Deductible: $12,500 (2%)
Statutory Deadline: Nov 12, 2026 (FL § 627.70131)
✦ Automated Certified Demands queued for Day 46, Day 53, and Day 57.
STAGE 02 EVIDENCE & SCOPING

Stop spending Sunday nights renaming 800 photos.

Adjusters take hundreds of inspection photos on site. Claim Hive groups and organizes photos directly from your phone into room folders, elevations, and roof slopes, tagging moisture readings and hail spatter with GPS-stamped EXIF verification.

  • ✓ Instant Elevation Sorting: North, South, East, West elevations categorized on upload.
  • ✓ Chalk & Moisture Annotation: Highlights test squares, brittle shingles, and baseboard moisture readings.
  • ✓ One-Click Carrier PDF Bundle: Generates court-ready, photo-sheet exhibits with timestamps.
  • ✦ NOAA Hail & Wind Overlays Roadmap: Q1 2027: Automated certified Doppler radar, hail swaths, and wind gust verification attached to scope.
photo_evidence_triage.view
📸
Roof Slope (South)
14 Hail Impacts / Test Square
💧
Master Bath Drywall
Moisture Meter: 48.2% (Wet)
Status: 418 photos indexed across 7 rooms • 0 manual renames needed.
STAGE 03 ESTIMATE & SCOPE GAP

Expose carrier underpayments line by line.

Insurance carriers consistently omit starter shingles, drip edges, continuous gutters, and code-mandated ice & water shields. Claim Hive provides side-by-side scope reconciliation, tracking disputed supplements and contractor bids.

  • ✓ Overhead & Profit (O&P) Tracking: Tracks three-trade complexity to defend 10 & 10.
  • ✓ Ordinance or Law (Code) Audit: Identifies mandatory building code triggers (e.g. 25% roof rule).
  • ✓ Scope Difference Variance: Instantly calculates carrier offer vs. real settlement target.
scope_gap_variance.matrix
Line Item Scope Carrier PA Claim Hive
Architectural Shingles (38.5 SQ) $14,200 $19,850
Drip Edge & Ice Barrier OMITTED $3,420
General Contractor O&P (10/10) DENIED $6,840
Identified Scope Underpayment: +$15,910.00
STAGE 04 LETTERS & CLIENT COMMUNICATION

Certified carrier demands + zero client anxiety.

When desk adjusters stall, Claim Hive generates certified statutory demand letters citing state administrative insurance codes. Meanwhile, your policyholders receive a private, read-only status link where they see real progress—ending the daily "Any news on my roof?" calls.

  • ✓ Automated Statutory Demands: Cites state response rules (e.g. Florida 14-day rule, Texas 15-day rule).
  • ✓ Free Policyholder Portals: Policyholders never pay for access. Clean, transparent timeline view.
  • ✓ Certified Mail & Email Tracker: Logs proof of receipt for bad-faith defense exhibits.
policyholder_status_portal.view
Policyholder View (Free)
Status: Appraisal Inspection Scheduled
"Your Public Adjuster Tom has submitted the certified structural supplement. Carrier umpire inspection scheduled for Thursday at 10:00 AM."
✓ Policyholder notified via SMS 0 incoming status calls
STAGE 05 NEXT ACTION ENGINE

Your morning docket: What needs to move today.

When handling 25 active claims, files don't fail from poor estimating—they fail because a carrier deadline slipped or an adjuster failed to follow up on a supplement. The Next Action Engine reviews every open file and presents a clean daily action docket.

  • ✓ Zero Dropped Deadlines: Highlights overdue checks, unacknowledged proofs of loss, and pending releases.
  • ✓ Priority Triage: Sorts daily tasks by statutory urgency, not whoever called you last.
  • ✓ 15-Minute Morning Routine: Review your entire docket with a cup of coffee and clear your day.
morning_docket_oct30.act
TODAY'S 3 CRITICAL ACTIONS:
ACTION 1 (CRITICAL): Send POL Demand on Miller File (Day 57 of 60).
ACTION 2: Issue 14-Day Stall Notice to State Farm on Jenkins Supplement.
ACTION 3: Confirm release check received on Alvarez ($118,500).

Ready to experience the quiet file engine?

$80 per seat / month. Founding rate locked through June 30, 2027. Policyholders free forever.

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