ClaimSentra
Accelerate claim triage using aerial damage scoring and assessor routing with defensible evidence.
ClaimSentra is property claims triage that scores roof and structure damage from aerial imagery, routes field adjusters to the worst cases first, and hands desk adjusters an evidence pack good enough to settle without a visit.
Who is this for?
Property claims leaders at carriers, MGAs and TPAs, and the SIU teams that sit beside them. It is built for the days after a storm, when the claim volume arrives faster than field adjusters can drive, and for the ordinary weeks when a third of claims could have been settled from a desk.
What problem does it solve?
After a hail or wind event every claim looks urgent and every adjuster is in a truck. Field capacity, not policy, decides who gets inspected this week, and the clear-cut claims wait in the same line as the total losses.
Consistency suffers too. Two adjusters in two regions score the same damage differently, calibration drifts, and the carrier cannot show a regulator a uniform standard. Fraud rides in with the surge, because nobody has time to compare the roof in the claim with the roof in last year's imagery.
How does it work?
ClaimSentra takes aerial imagery from drones, satellites, manned aircraft or third-party providers and scores each property's damage by type and severity: hail impacts, wind damage, missing shingles, structural issues, graded from cosmetic to total loss. Priority scoring then routes field adjusters to the highest-severity claims and sends the clear-cut cases to desk adjusters.
Each assessed property produces an evidence pack: annotated imagery with the damage marked and scored, roof area and affected-section measurements, and the damage classification. That pack is what lets a desk adjuster settle, and what a field adjuster reads before the visit. Before-and-after comparison against historical imagery flags pre-existing damage, and storm-path validation checks the claimed damage against the weather that actually passed over.
Confidence thresholds are set by damage type and severity, and we recommend starting conservative and loosening them as adjuster feedback and QA sampling earn it. Every score, route and evidence pack is logged with timestamps, user IDs and model versions, in a tamper-proof audit trail that exports for regulatory review.
Capabilities
- Aerial image ingest; roof/property scoring
- Route & priority suggestions
- Evidence packs for adjusters
- Public records redaction (paired with VISTA)
- Change detection for disaster response
Outcomes
- Claim cycle ↓ 30–50%
- Desk settlements ↑ 35%
- Re-inspection rate ↓ <5%
What does it connect to?
- Claims platforms: Xactimate, Guidewire ClaimCenter, Duck Creek Claims and Symbility through pre-built connectors, with two-way status and attachment sync
- Imagery providers: drone, satellite (Maxar, Planet and others) and manned aircraft, in JPEG, TIFF and GeoTIFF
- SIU workflows for flagged claims
- Public-records redaction through VISTA where imagery must be released
How is it deployed, and how long does it take?
A multi-tenant deployment with carrier-specific scoring rules suits TPAs handling several clients; carriers and MGAs run a single tenant with their own thresholds and white-label reports. Fraud detection models are tuned during the proof of concept on your own claims history, not on a generic set.
The honest caveat is imagery. Scoring is only as current as the capture, so a carrier without an aerial provider needs one lined up before a CAT season, not during it.
Assessor routing and evidence packs in 8 to 12 weeks. Claim cycle time typically falls 30 to 50 percent, with desk settlements up around 35 percent and re-inspection rates under 5 percent on tuned deployments.
Industry context
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