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AI Tools for Loss Adjusters
AI tools that help loss adjusters investigate claims, research repair costs, verify policy details, map incident locations, and produce faster, more accurate settlement reports.
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Labor Rate (roofing)
$85–$120/hour · licensed contractor · Dallas metro
Asphalt Shingle (30-yr)
$1.80–$2.40/sq ft installed · GAF or Owens Corning
Tear-off & Disposal
$0.50–$0.80/sq ft · single layer · dumpster included
Total Installed (2,000 sq ft)
$9,200–$14,400 · typical residential replacement range
YoY Cost Trend
Material costs up 8% vs prior year — supply chain pressure on shingles
Property damage cost benchmarking
Research current labor rates, material costs, and contractor pricing for any repair type in the claim location. Build defensible estimates backed by third-party data rather than relying solely on estimating software.
What are current contractor labor rates and material costs for HVAC replacement in Phoenix, AZ? I have a fire damage claim with a destroyed 3-ton system.
Phoenix HVAC replacement (3-ton): labor $1,200–$1,800, equipment $2,400–$3,600, total installed $3,600–$5,400. Current supply chain costs elevated 8% YoY. Three local licensed HVAC contractors found within 5 miles of claim site.
ToolRouter research
Labor (HVAC tech)
$1,200–$1,800 · licensed contractor · Phoenix metro
Equipment (3-ton unit)
$2,400–$3,600 · Carrier/Trane installed
Total Installed Cost
$3,600–$5,400 · permits included
YoY Material Trend
Equipment costs up 8% vs prior year — refrigerant supply pressure
Licensed Contractors
3 found within 5 miles of claim site · ROC verified
Satellite and aerial site inspection
Review satellite imagery of the loss location before or after a site visit. Verify pre-loss condition of roofs, driveways, and structures, or assess damage extent from weather events.
Pull satellite imagery for 789 Oak Hill Rd, Baton Rouge, LA to assess roof condition and compare to street view. The insured claims hail damage from March 2026.
Retrieved high-resolution satellite imagery dated February 2026 (pre-storm) and April 2026 (post-storm). Visible roof surface changes identified in northwest quadrant consistent with hail impact pattern.
Fraud indicator research
Research SIU referral patterns, contractor fraud schemes, and claims red flags in specific regions. Cross-reference claimant and contractor information against public records.
Research this roofing contractor: ABC Restoration LLC, Tampa FL. Check for any complaints, fraud history, or regulatory actions.
Found 3 Better Business Bureau complaints (2024–2025), 1 Florida DBPR license suspension (June 2025) for unlicensed subcontracting, and 2 civil judgments. This contractor matches SIU referral patterns in Hillsborough County.
ToolRouter research
BBB Complaints
3 complaints filed 2024–2025 · billing disputes and incomplete work
FL DBPR License
License suspended June 2025 — unlicensed subcontracting violation
Civil Judgments
2 civil judgments on record — unpaid subcontractor disputes
SIU Pattern Match
Matches referral patterns for Hillsborough County AOB fraud schemes
ToolRouter search_actions
DBPR Case 2025-06-041
License suspended — unlicensed subcontracting, effective June 12, 2025
DBPR Case 2024-11-188
Cease and desist — performing work outside licensed scope
Circuit Court — Tampa
Civil judgment $28,400 — unpaid subcontractor (Oct 2024)
Status
License currently suspended — not eligible for insurance repair authorization
Weather event verification
Confirm that reported weather events (hail, wind, flooding) actually occurred at the claim location on the claimed date. Pull historical weather records to validate or challenge claim timing.
Verify whether a hailstorm occurred at or near ZIP code 75201 (Dallas, TX) on April 15, 2026. The insured claims hail damage to their vehicle.
Confirmed: NWS records show 0.75–1.25 inch hail reported in Dallas County on April 15, 2026 between 4:15–5:30 PM CDT. NOAA storm report ID TX20260415-003. Consistent with claimed event.
ToolRouter get_history
Event Confirmed
NWS: hailstorm confirmed at ZIP 75201 on April 15, 2026
Hail Size
0.75–1.25 inch diameter reported — NOAA storm report ID TX20260415-003
Time Window
Event occurred 4:15–5:30 PM CDT — consistent with claimed damage window
Measurement Station
Dallas Love Field (KDAL) — 3.2 miles from loss location
Conclusion
Weather event corroborates claim — proceed with damage inspection
Repair vendor location and vetting
Find licensed, rated repair vendors near the claim site for emergency mitigation, restoration, or specialty repairs. Verify business details and customer reviews before authorization.
Find water damage restoration companies within 15 miles of 200 Peachtree St, Atlanta, GA. Need companies with IICRC certification.
Found 6 IICRC-certified water damage restoration firms within 15 miles. Top result: ServPro of Midtown Atlanta — 4.8 stars, 24-hr emergency line, average response 45 minutes. 2 additional firms with same-day availability.
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1
ServPro of Midtown Atlanta
4.8 ★ · IICRC certified · 24-hr emergency · 0.4 mi
2
ServiceMaster Restore — Buckhead
4.7 ★ · IICRC certified · 45-min avg response · 2.1 mi
3
Rainbow Restoration — Sandy Springs
4.6 ★ · IICRC certified · same-day available · 4.8 mi
4
Paul Davis Restoration — ATL South
4.5 ★ · IICRC certified · commercial accounts · 5.3 mi
Vehicle damage and total loss research
Research vehicle values, comparable sales, and repair cost benchmarks for auto claims. Look up VIN details, safety ratings, and market pricing to support total loss determinations.
Decode VIN 1HGCM82633A123456 and provide the vehicle spec sheet. Then give me current market value range for this vehicle in fair condition.
VIN decoded: 2003 Honda Accord EX V6 Sedan, 3.0L, original color Nighthawk Black. Current fair condition market value: $4,200–$5,800 based on comparable sales in the claim ZIP. ACV supports total loss threshold at current repair estimate.
ToolRouter decode_vin
Vehicle
2003 Honda Accord EX V6 Sedan — Nighthawk Black Pearl
Engine / Transmission
3.0L V6 VTEC · 5-speed automatic
Original Equipment
Leather, sunroof, 6-disc CD, alloy wheels — EX trim fully loaded
ACV Range (Fair Condition)
$4,200–$5,800 · based on comparable sales in claim ZIP
Total Loss Threshold
Current repair estimate exceeds 75% ACV — total loss threshold met
Ready-to-use prompts
Research repair cost benchmarks
Find current labor and material cost benchmarks for residential siding replacement (vinyl, 1,200 sq ft) in Minneapolis, MN. Include cost per square foot and total installed cost range.
Satellite site review
Get satellite imagery for 1234 Maple Ave, Houston, TX 77001. Show the most recent image and one from 6 months prior. I am assessing a claimed roof collapse.
Weather event confirmation
Confirm whether a tornado or severe wind event impacted ZIP code 35203 in Birmingham, AL on March 5, 2026. Include wind speed if available.
Contractor vetting
Research Apex Restoration Group LLC based in Fort Lauderdale, FL. Check for BBB complaints, license status, and any fraud or contractor abuse history.
Find emergency vendors
Find board-up and emergency tarping contractors within 20 miles of 505 Canal St, New Orleans, LA with 24-hour availability.
VIN decode and valuation
Decode VIN 2T1BURHE0JC012345 and give me the full vehicle specs. What is the current private-party market value in good condition in Texas?
Flood zone research
Research FEMA flood zone designation and flood history for 900 River Rd, Louisville, KY 40203. Has this address been in a declared disaster area?
Nearby auto repair shops
Find auto body repair shops within 8 miles of 300 S. Michigan Ave, Chicago, IL 60604. Filter for shops with 4+ stars and direct repair program affiliations.
Tools to power your best work
Weather ForecastWeather, air quality & UV anywhere
Deep ResearchAI research reports with citations
Address GeocodingAddresses to coordinates and back
Vehicle DataVIN, plates, recalls & specs
Regulatory ActionsSEC, CFPB, FDIC & Federal Register
People SearchFind anyone across 500+ sites
Package TrackerTrack parcels across 345+ carriers
Satellite ImagerySatellite photos of any location on Earth
165+ tools.
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Everything loss adjusters need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
Field assignment preparation
Before visiting a claim site, gather all available external intelligence: imagery, weather records, and vendor options.
SIU referral investigation support
Compile external data to support or document a special investigations referral.
Auto total loss evaluation
Systematically build an ACV determination with decoded vehicle data and market comparables.
Frequently Asked Questions
Can satellite imagery be used as formal evidence in claims?
Satellite imagery can support field investigations and document pre-loss conditions, but it should be used as supplementary evidence alongside physical inspection. Image date metadata and source information should be documented when including imagery in claim files.
How accurate is weather verification data?
Weather data is sourced from NOAA and NWS records, which are the standard for claims investigation. Station proximity matters — data is most reliable within 10–15 miles of a measurement station. For disputed claims, always note the source station ID and distance from the loss location.
Can these tools help with large loss or catastrophe claims?
Yes. Satellite imagery is especially valuable for CAT claims where physical access is limited. Deep Research can compile regional damage assessments and industry loss reports quickly across multiple CAT events, helping prioritize assignments.
Is people search data compliant with FCRA for claims purposes?
People Search provides publicly available data for background research. For formal claims investigation requiring FCRA-compliant consumer reporting, consult your company's SIU and legal team. These tools support preliminary research, not formal adverse action determinations.
What building cost data sources are used?
Deep Research aggregates data from construction cost databases, contractor price lists, trade publications, and regional market reporting. Results should be cross-referenced with your company's estimating platform (Xactimate, CoreLogic, etc.) for final claim amounts.
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Works in Chat, Cowork and Code