Fits into existing systems
No rip-and-replace. It works with the APIs & workflows your team already uses.
Step 01
The claim, the peril, and the bound policy form enter as a single record. Nothing is inferred that isn't submitted.
Step 02
Deductibles, limits, and exclusions are read from the form, with a source page attached to every value.
Step 03
Deterministic rules resolve the cited sections against the extracted values. The same inputs always produce the same decision.
Step 04
A filed receipt is returned: every citation, every value, and a hash that fixes the decision in place.
Agency
Redland Partners Ins.
Carrier
Meridian Mutual
NAIC code
41726
Named insured
Dolan, Marcus R.
Policy number
HO3-4471-2011
Policy form
HO-3 (2011)
Date of loss
07/14/2026
Time
16:40
Type of loss
Hail
Probable amount
$30,000 est.
Location of loss
4218 Ridgemont Dr, Plano, TX 75024
Severe hailstorm passed over the risk location late afternoon. Impact damage to roof covering, gutters, and downspouts. Stones approximately 1.75 in. Interior water intrusion not observed at time of report.
Agency
Redland Partners Ins.
Carrier
Meridian Mutual
NAIC code
41726
Named insured
Dolan, Marcus R.
Policy number
HO3-4471-2011
policy_number
HO3-4471-2011
Policy form
HO-3 (2011)
policy_form
HO-3 (2011)
Date of loss
07/14/2026
date_of_loss
07/14/2026
Time
16:40
Type of loss
Hail
peril
Hail
Probable amount
$30,000 est.
Location of loss
4218 Ridgemont Dr, Plano, TX 75024
Severe hailstorm passed over the risk location late afternoon. Impact damage to roof covering, gutters, and downspouts. Stones approximately 1.75 in. Interior water intrusion not observed at time of report.
Hail is a covered peril under this policy.
Policy form HO-3, Section I, p. 12 ¶2The loss occurred while the policy was in force.
Loss notice, date of loss 07/14/2026Declarations, term 03/01/2026 to 03/01/2027A separate wind and hail deductible applies.
Deductible endorsement, p. 27 ¶4No exclusion in Section I bars this loss.
Exclusions reviewed, p. 14 to p. 19Adjuster estimate, replacement cost
Estimate, p. 4Less wind and hail deductible
2% of Coverage A limit, $412,000Net amount payable
$22,940Claim id CLM-2026-0731-4471
Issued 2026-07-28 14:22:07 UTC
Peril hail · policy form HO-3 (2011)
Cited policy sections
Section I: perils insured against
Windstorm and hail are covered perils under the open-peril dwelling grant. p. 12, ¶2
Section I: deductible endorsement
A separate wind and hail deductible of 2% of Coverage A applies per occurrence. p. 27, ¶4
Extracted values
Coverage A: dwelling limit
$412,000 Dec. page, line 3
Wind / hail deductible
$8,240 (2% of Coverage A) Dec. page, line 9
Adjuster estimate: roof and gutters
$31,180 replacement cost Estimate, p. 4
Decision
Covered. Net payable $22,940 after the 2% wind and hail deductible.
Decision hash sha256:a3f8e1470b9d2c658e04d7f2a1c96b3047b1e9c0d582f6a41c8f36e0b9a4d275
No rip-and-replace. It works with the APIs & workflows your team already uses.
The same team handles more claims and claimants get decisions faster.
Every decision files the sections it cited, the values it used, and the page each came from, helping you get ready for a dispute.
Your team stays in the loop on every claim. The engine gathers and cites the facts, so they review and confirm instead of chasing documents.