Insurance claims assessment and loss adjusting software
An insurer briefs an assessor with a claim number, a policy schedule and a deadline. What comes back is judged on three things: did the report explain what happened, does the scope fix only what the event damaged, and did it arrive inside the service level agreement. Every hour between leaving the site and sending the report is cycle time the panel is measuring.
Claims work in this discipline divides by peril and by asset. Building perils — storm, hail, escape of liquid, fire, flood, impact — turn on causation and a room-by-room scope. Contents, fine art and marine claims are schedules of items with values and provenance. Motor and heavy motor assessments sit closer to repair costing, while machinery breakdown and liability scene work read like engineering and forensic investigations. Underwriting risk surveys run the other way entirely: the site visit happens before the policy, and the report is a list of recommendations rather than a scope. SurveyThanks lets each of these be its own form and its own Word template, built by your firm, while the claim, the site and the photos stay in one place.
Enter your buildings and rooms once
A single scope line can cover three rooms and a single room can carry damage from two perils, so the report can say "Main Warehouse — cause, extent, scope, reserve" as a coherent chapter instead of the same paragraph pasted four times.
What goes in your reference library
- Insurer scopes of work and reporting templates
- Policy wordings and general conditions for the schemes you service
- IICRC S500 and S520 for water and mould claims
- Your own causation and scoping methodology
- Panel service level agreements and reporting deadlines
Reviewed before it leaves
Your own checklist and prose standards, run against the finished report — with findings graded info, minor or major, quoting the sentence at fault. Because the structured submission behind the report is held too, the review catches contradictions between the two: The report says the escape of water was confined to the ground floor; the scope carries three first-floor rooms.
19 report types in insurance
- Burst pipe water damage scopesWater damage scopeRestorers
- Business interruption verificationsBI verification reportForensic accountants
- Contents claim inventoriesContents schedule reportInsurers
- Fine art condition reportsArtwork condition reportArt insurers
- Fire damage assessmentsFire damage reportLoss adjusters
- Flood inundation assessmentsInundation level reportHydrologists
- Hail damage roof inspectionsHail damage reportLoss adjusters
- Heavy motor assessmentsTruck assessment reportInsurers
- Home claim assessmentsClaim assessment reportInsurers
- Impact damage assessmentsImpact damage reportAssessors
- Liability scene investigationsScene investigation reportAdjusters
- Machinery breakdown assessmentsBreakdown cause reportEngineers
- Marine claim surveysMarine claim reportUnderwriters
- Motor assessing inspectionsMotor assessment reportInsurers
- Mould remediation verificationClearance verification reportHygienists
- Pre-insurance risk surveysRisk survey reportUnderwriters
- Storm damage make-safe assessmentsMake-safe scope reportBuilders
- Thatch and heritage property surveysSpecial risk reportSpecialty insurers
- Workers comp workplace visitsWorkplace visit reportCase managers
Standards the report works to
- General Insurance Code of Practice 2020Insurance Council of Australia — General Insurance Code of Practice
- Sets the claims-handling timeframes and communication obligations that an assessor’s turnaround feeds into.
- IICRC S500Standard for Professional Water Damage Restoration
- The drying and water-category language most escape-of-liquid scopes are written against.
- IICRC S520Standard for Professional Mould Remediation
- The condition classifications cited when a claim moves into mould remediation and clearance.
Load the standards you hold into your reference library and the drafted prose is written against them rather than against a general model.
Questions
- Can we keep each insurer’s report template?
- Yes. Each template is a Word document you upload and mark up, so a firm on four panels can keep four layouts and choose the right one per claim.
- Will it help us hit panel service level agreements?
- The report is generated from the captured form rather than retyped, so the draft exists as soon as the inspection is submitted. How quickly it is reviewed and sent is still your process.
- Can assessors work in a house with no power or mobile coverage after a storm?
- Field capture works offline on the iOS app — the job, the form, photos, notes and audio queue on the device and upload when coverage returns. Report generation needs a connection.
- Does the AI decide whether a claim is covered?
- No. Drafted prose is written from the assessor’s answers and your own reference documents, and a person reviews the report before it goes out. Policy response stays the assessor’s and the insurer’s call.
Other disciplines
Bring your insurance template
Your letterhead, your section order, your clause library — with the drafted prose landing where the template says it should.