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AI Tools for Claims Adjusters
AI tools that help claims adjusters investigate incidents, research coverage issues, verify facts, assess property damage, track weather events, and resolve claims faster and more accurately.
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Works in Chat, Cowork and Code
Hail Size
1.75 in diameter (large hail confirmed)
Duration
14:22–16:48 local time (2h 26min)
Wind Gusts
54 mph peak · NW to SE storm track
Rainfall
1.4 inches total accumulation
Coverage
Storm path intersected claim location (75201)
Weather event verification
Verify the occurrence, severity, and geographic extent of weather events supporting property damage claims. Pull historical weather data with hail size, wind speed, rainfall totals, and storm path to confirm or challenge loss dates and locations.
Verify the weather conditions on June 8, 2025 in the 78701 zip code of Austin, TX. A claimant says a hailstorm destroyed their HVAC unit and skylights. What was the actual weather that day?
Weather data retrieved for Austin, TX on June 8, 2025. A severe thunderstorm event occurred between 14:35 and 17:20 local time. Maximum hail diameter: 1.75 inches (confirmed large hail). Wind gusts: 58 mph. Total precipitation: 1.2 inches. Storm path intersected the 78701 zip code. Conditions consistent with reported HVAC and skylight damage.
ToolRouter get_current
Event Window
14:35–17:20 local time (2h 45min)
Hail
1.75 in max diameter — large hail confirmed
Wind Gusts
58 mph peak — consistent with skylight damage
Precipitation
1.2 inches total
Claim Location
Storm path intersected 78701 zip code
Coverage and legal research
Research policy interpretation, case law, and state-specific claims regulations to support coverage decisions. Find relevant court decisions on disputed coverage issues, bad faith standards, and statute of limitations.
Research Florida case law on the efficient proximate cause doctrine as applied to hurricane vs. flood damage disputes. I have a claim where wind drove water into the property.
Found 12 relevant Florida cases. Key precedent: Sebo v. American Home Assurance (Fla. 2016) established that when multiple perils contribute to a loss, including covered and excluded perils, courts apply the concurrent causation doctrine. Efficient proximate cause analysis requires identifying the dominant cause of the loss sequence.
ToolRouter search_cases
CaseCourtYear
Sebo v. American Home AssuranceFL Supreme2016
Frontline Ins. v. VargasFL 3rd DCA2019
Citizens Prop. Ins. v. ManorFL 5th DCA2021
12 relevant cases found
Contractor and vendor locating
Find qualified restoration contractors, independent appraisers, and specialty vendors near the loss location quickly. Build a list of options to share with policyholders or dispatch for inspection and repair.
Find water damage restoration contractors and certified mold remediation companies within 15 miles of the loss location in Phoenix, AZ 85014. I need businesses that handle commercial properties.
Found 11 restoration contractors within 15 miles. 6 are IICRC certified, 4 handle commercial properties specifically. Top 3 by proximity and rating: ServiceMaster by Desert Dry (4.8 stars, 2.1 miles), Restoration 1 of Phoenix (4.7 stars, 5.4 miles), PuroClean North Phoenix (4.6 stars, 7.8 miles). Includes phone and website for each.
ToolRouter search_places
1
ServiceMaster by Desert Dry
4.8 ★ · 2.1 mi · Commercial certified
2
Restoration 1 of Phoenix
4.7 ★ · 5.4 mi · IICRC certified
3
PuroClean North Phoenix
4.6 ★ · 7.8 mi · Mold remediation specialist
Replacement cost and market value research
Research current replacement costs for building materials, equipment, vehicles, and personal property to support accurate loss estimates. Track commodity price changes that affect construction and repair costs.
Research current replacement cost estimates for a 5,000 sq ft flat commercial roof in Texas. I need material costs for TPO membrane roofing and labor rates for commercial roofing contractors.
Replacement cost research compiled. TPO membrane material: $1.25–$2.00/sq ft (5-year warranty grade). Labor for flat commercial roofing in Texas: $4–8/sq ft depending on accessibility and tearoff. Total installed range for 5,000 sq ft: $26,000–$50,000. Includes references to RS Means 2024 commercial cost data and Texas contractor survey data.
ToolRouter research
TPO Material (5-yr warranty)
$1.25–$2.00/sq ft
Labor — Flat Commercial Roof (TX)
$4–8/sq ft depending on tearoff
Total Installed Range (5,000 sq ft)
$26,000–$50,000
RS Means 2024
Commercial cost data referenced
TX Contractor Survey
Regional labor rates confirmed
Claimant and third-party research
Research claimants, witnesses, and third parties in complex or suspicious claims. Find publicly available information to verify identities, prior claim patterns, and inconsistencies in reported facts.
Look up publicly available information about the claimant, Marcus D. Thompson, DOB 1978, last known address in Atlanta, GA. I need any prior litigation or fraud red flags.
Public records search completed. Found LinkedIn profile, 2 social media accounts consistent with stated occupation. No public court records found for the name and location combination. One civil court filing in 2019 (unrelated to insurance). No fraud database matches. No obvious red flags identified in publicly available sources.
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Identity
LinkedIn profile and 2 social accounts consistent with stated occupation
Prior Litigation
1 civil filing (2019, unrelated to insurance) — no pattern
Fraud Databases
No NICB or ClaimSearch matches found
Criminal Records
No public records found for name/location combination
Overall
No obvious red flags in publicly available sources
Ready-to-use prompts
Verify weather event
Pull historical weather data for Chicago, IL (60601) on September 12, 2025. A commercial property owner claims a windstorm caused roof damage. What were the actual wind speeds, gusts, and storm conditions that day?
Coverage case law research
Search for Florida case law on water damage coverage exclusions in homeowners policies. I need to understand how courts have interpreted "sudden and accidental" discharge vs. gradual leak exclusions in the past 5 years.
Find restoration contractors
Find IICRC-certified water damage restoration and mold remediation contractors within 10 miles of Portland, OR 97201. Include commercial-capable contractors with 24/7 emergency response.
Replacement cost research
Research current market replacement costs for a 2023 Peterbilt 389 semi-truck in excellent condition. Include current auction sale prices and dealer pricing in the Southeast US market.
Claimant public records
Search for publicly available information on a claimant named Robert A. Peterson, DOB approximately 1965, claiming a home fire loss in Baton Rouge, LA. Look for any prior litigation history or inconsistencies.
Earthquake event data
Pull earthquake event data for the Los Angeles metro area in the 30 days surrounding November 1, 2025. A claimant reports foundation cracking following seismic activity at their property in the 90027 zip code.
Fraud red flag research
Research common fraud red flags and schemes in commercial auto liability claims in the trucking industry. What are the key indicators adjusters should look for in staged accident claims?
Vehicle value research
What is the current fair market value of a 2021 Toyota RAV4 Limited AWD with 42,000 miles in good condition in the Atlanta, GA market? I need current private sale and dealer retail values for a total loss settlement.
Tools to power your best work
Weather ForecastWeather, air quality & UV anywhere
Earthquake MonitorLive & historical earthquake data
Deep ResearchAI research reports with citations
People SearchFind anyone across 500+ sites
Compliance ScreeningAML, sanctions, PEP & due diligence investigations
Legal ResearchCase law, statutes, regulations & legislation worldwide
Places SearchFind restaurants, shops & venues worldwide
165+ tools.
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Everything claims adjusters need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
Property damage claim investigation
Systematic investigation workflow for a complex commercial property damage claim.
Suspicious claim review
Enhanced investigation workflow for claims with fraud indicators.
Frequently Asked Questions
How can AI tools help claims adjusters investigate weather-related damage claims?
Weather Forecast retrieves historical weather data for any date and location, including wind speeds, precipitation, hail size, and storm path. This allows adjusters to independently verify whether the weather conditions reported by a claimant actually occurred, which is critical for property damage and crop loss claims.
Can AI tools assist with fraud detection in claims?
People Search and Compliance Screening can surface publicly available information about claimants and check against known databases. Deep Research can compile information about specific fraud schemes. However, these tools support investigation — definitive fraud findings require formal SIU investigation, structured interviews, and legal review.
How do I use AI for replacement cost research in claims?
Deep Research compiles current market pricing from contractor surveys, materials databases, and industry pricing guides. It is useful for developing preliminary estimates and cross-checking vendor quotes. For formal Actual Cash Value or Replacement Cost Value determinations, results should be supplemented with certified cost estimating tools like Xactimate.
What legal research can claims adjusters do with AI tools?
Legal Research provides access to case law across multiple jurisdictions, allowing adjusters to research how courts have interpreted specific policy language, exclusions, and coverage disputes. This is valuable for coverage analysis on complex claims. Any legal conclusions drawn should be reviewed by coverage counsel before denial letters or reservation of rights are issued.
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Works in Chat, Cowork and Code