AI claims platform · Name withheld under NDA

The model recommends. A named person decides.

I designed the claims platform end to end. The client came back for a second product, a field app for adjusters, which I designed and built.

Since
August 2025
Shipped as
Platform: design · Field app: design + build
Outcome
Multi-million seed; first enterprise customer
01 · The problem

The model could work a claim from the first call to the payment. Now it had to sell to carriers — and their adjusters had to trust it enough to use it.

02 · The constraint

Claims are regulated. The model can recommend, but a named adjuster decides anything that moves money or coverage, and every AI action needs a name and a timestamp.

I was the only designer, working a step ahead of an engineering team that was already shipping.

03 · The decision

Accountability over autonomy.

Every AI output arrives with its source: the policy page, the call transcript, the photo, the exact line on the estimate. Every decision with money on it carries a person’s name. No bulk approvals.

What it cost

The one-click demo. Every recommendation gets a reviewer’s look before it pays. That’s slower on stage — and it’s what a carrier’s compliance team signs.

Claims platform · Check it

Check it.

The model reads every document on the claim and flags what doesn’t add up. The reviewer checks each flag against the paper, not against the model.

CLM-4471-0932M. Okafor · Hail · Loss 05/24/2026
12 documents · 9 issues Submit
EstimateVersion 2 Page 3 of 8 100%
Northfield Restoration LLC
Estimate summary — Dwelling, roof
Est. 26-0418
p. 3
#DescriptionQtyUnit
11Remove ridge cap42.00LF
12Tear off composition shingles34.00SQ
13Felt underlayment, #1534.00SQ
14Laminated comp. shingle — remove & replace34.00SQ
15Drip edge186.00LF
16Ridge cap, high profile42.00LF
17Roof vent — remove & replace4.00EA
18Flashing, pipe jack3.00EA
Cross-document · 2 sources
Roof squares exceed measured area
Why it was flagged
  • Estimate line 14 bills 34.00 SQ of laminated shingle, remove and replace.
  • The measurement report totals 28.60 SQ across all roof facets.
  • Difference: 5.40 SQ, about 19% over measured.
Sources
Estimate · p. 3 · line 14Viewing Measurement report · p. 2
Estimate v2 · analyzed 11/04/2026 9:12 AM
2 / 3Grounding Every finding points to a page. Sources open the exact document, page and line — across documents. The reviewer checks the model against the paper. What it cost Flags belong to a document version. Reprocess a document and its flags start over.
Issues9 · all documents
AllEstimateMeasurementPolicyFNOL Invoice Not analyzed 3 / 3Coverage Silence isn’t a clean bill. A document the model never read says Not analyzed — never “No issues found.” What it cost The product admits what it hasn’t read. Harder to demo, easier to trust.
Roof squares exceed measured area
Estimate bills 34.00 SQ; measurement report shows 28.60 SQ.
Cross-document · Estimate p. 3, Measurement p. 2
1 / 3Attention The flag says what. The why is one click away. Each flag is a title and a one-line answer. The reasoning opens beside it, on demand. What it cost Depth left the card. Reviewers asked for that — full findings on every flag was overload.
Deductible differs from declarations
Estimate applies $1,000; declarations show 1% of Cov. A.
Cross-document · Estimate p. 6, Policy p. 1
Date of loss doesn’t match FNOL
Estimate header says 05/27; FNOL says 05/24.
Cross-document · Estimate p. 1, FNOL p. 1
Fence depreciation not applied
Cedar fence, 14 years old, billed at replacement cost.
Insights · Estimate p. 5
Proof of loss unsigned
Signature block on page 1 is empty.
Checklist · Proof of loss p. 1
CLM-4471-0932 Hail · Loss 05/24/2026 9 issues
1 Cross-document · 2 sources Roof squares exceed measured area Estimate bills 34.00 SQ; measurement report shows 28.60 SQ.
Why it was flagged
  • Estimate line 14 bills 34.00 SQ of laminated shingle, remove and replace.
  • The measurement report totals 28.60 SQ across all roof facets.
  • Difference: 5.40 SQ, about 19% over measured.
Estimate · Northfield Restoration · p. 3
13Felt underlayment, #1534.00 SQ
14Laminated comp. shingle — remove & replace34.00 SQ
15Drip edge186.00 LF
2 Sources Estimate · p. 3 · line 14Viewing Measurement report · p. 2
Documents
EstimateMeasurementPolicyFNOL Invoice Not analyzed3
  1. 1

    The flag says what. The why is one click away.

    Each flag is a title and a one-line answer. The reasoning opens beside it, on demand.

    What it costDepth left the card. Reviewers asked for that — full findings on every flag was overload.

  2. 2

    Every finding points to a page.

    Sources open the exact document, page and line — across documents. The reviewer checks the model against the paper.

    What it costFlags belong to a document version. Reprocess a document and its flags start over.

  3. 3

    Silence isn’t a clean bill.

    A document the model never read says Not analyzed — never “No issues found.”

    What it costThe product admits what it hasn’t read. Harder to demo, easier to trust.

What shipped with it
  • Flags open to the exact page and line.
  • “Not analyzed” instead of a false all-clear.
  • Supplement review: the model pre-selects a decision; overriding it takes a fixed reason.
  • Workflows dry-run before anything reaches an adjuster’s phone, and every automated message is explained on the claim.
What changed

The company raised a multi-million seed and landed its first enterprise customer.

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