Catastrophe claims management on one live map: every claim, every adjuster, and tomorrow's volume before it calls
Surge claims assigned and moving in hours, with no spreadsheet rosters.
See one case, screen by screen ↓Software that runs a carrier's response to a hurricane, hail storm or wildfire: taking in the surge of first notices, sorting claims by severity, deploying staff and outside adjusters, and keeping every regulatory clock. Catastrophe Claims Management puts all of it on one live map, with seven agents doing the counting, routing, forecasting and drafting.
How to choose AI solutions for insurance →
Updated
A hurricane, hail storm or wildfire can bring tens of thousands of claims in days, far beyond any carrier's own staff. Notices arrive by phone, web, app and agent. The catastrophe response manager runs the event from claim-system reports, outside-firm rosters kept in spreadsheets and phone calls with field leads, and the worst-hit families wait in the same line as a fence panel.
The claims that matter most report last: homes without power, families evacuated to a relative's. So staffing is sized on yesterday's count. Adjusters stage where there is power and a hotel room, not where the damage is, and who can reach which area is worked out by phone. The request to the independent adjusting firms goes late, by email, from a gut estimate, while the Florida acknowledgement and pay-or-deny clocks keep running on every claim.
Estimated split of one day during a major event, by hand and with the solution.
Seven agents map the event, route every claim, forecast tomorrow and staff by drive time; the catastrophe manager decides.
Hurricane Delphine made landfall near Englewood, Florida, on Thursday night as a Category 3. It is Monday 12 October, 09:12. Here is the morning in the working solution, screen by screen.
Dana opens the event map: the storm track with its timestamps, the wind field, 61,480 Corvane policies inside the tropical-storm wind line across Charlotte, Sarasota, DeSoto and Lee counties. 18,762 claims are drawn as dots coloured by route, and the 182 field adjusters as diamonds. The side panel already says where the field is short: Punta Gorda Isles and Burnt Store, short 5.
“182 visits not scheduled · 340 homes expected to report · 6 adjusters within 45 min”
Each agent's step is listed with what it found and how long it took. The footprint reader rebuilt the wind field from the 05:00 advisory. The intake agent tagged 2,471 first notices since midnight to CAT 26-07 and merged 63 duplicates. The imagery reader read 22,904 roofs from Saturday's capture over Charlotte County and found 3,861 with visible damage.
Volume forecaster: “42,718 policies not yet reported scored · 2,340 expected tomorrow · 8,915 within 7 days”
Every policy inside the footprint that has not reported is drawn as a hollow ring. Each one is scored from the wind at its address, the reporting curve of Corvane's last two Gulf hurricanes, power outage reports by ZIP code and whether a neighbour on the same street has reported. 2,340 are 50% or more likely to report tomorrow, and the zones count them into the visits they will need.
The forecast is shown, never acted on: no policyholder is contacted without an approved outreach.
The claim board splits the event by county and route: 7,410 fast-track, 6,880 desk review, 4,472 field visit, 1,316 uninhabitable. Each claim carries the reason it went where it went, such as “Roof surface missing over 25% on imagery” or “Below the hurricane deductible · explained by phone”. Adjusters have re-routed 214 claims this event, and each change keeps its reason and who made it.
Dana draws the zone around Punta Gorda Isles and Burnt Store. The side panel recomputes: 2,603 claims, 182 field visits not scheduled, 144 uninhabitable homes and 340 expected to report tomorrow. That is 264 visits in 5 days; at 5 a day it needs 11 adjusters, and only 6 can reach it within 45 minutes.
“Nothing is booked until you assign. The planner orders visits uninhabitable first, then by notice time.”
Dana presses “Assign 6 by drive time”. The six adjusters within 45 minutes get Tuesday's routes in Punta Gorda Isles, uninhabitable homes first: Marcus Tillery, 23 minutes away, starts at the Albarado home at 8:30. Roads the county reports closed are routed around.
“Request 5 outside” adds the missing five to the request already drafted from the forecast. It now asks Ridgeway Claims Partners and Tallgrass Field Services for 41 field and 146 desk adjusters, reporting Thu 15 Oct 07:00 at Punta Gorda airport staging, Florida emergency adjuster licence accepted, about $4,334,680 over 14 days.
“Short 41 field adjusters through Fri 16 Oct … Includes 5 for Punta Gorda Isles from the zone you drew.”
The request goes only when Dana signs it as catastrophe response manager. Because it is over $2M, Victor Hale, director of claims operations, is copied and approves it from his phone.
Teresa and Luis Albarado reported at 07:12 on Friday: the back half of the roof gone, water in three rooms, the family staying with Teresa's sister in Arcadia. They were acknowledged 53 minutes later and Sam approved a $2,500 living-expense advance that afternoon. Saturday's imagery shows 38% of the roof surface missing. Now the field visit is booked: Tue 13 Oct 08:30, Marcus Tillery.
“Nothing is paid without an adjuster's approval.”
412 claims still need the 7-day acknowledgement, the oldest 31 due Thu 15 Oct, and one button sends the letters. 731 policyholders were not reached after two tries, 402 of them with no power and the phone off; one button hands them to Lauren's team. The daily event report, drafted at 09:00 from the same numbers, waits for Dana's signature before it goes to Victor Hale.
The same hurricane, seen by the five people who carry it: what their event looked like, and what it looks like now.
Seven agents map the event, route every claim, forecast tomorrow and staff by drive time; the catastrophe manager decides.
Builds the event footprint from each advisory's wind field, storm surge zones and hail or fire perimeters, and finds the policies in force inside it.
Reads first notices from phone, web, app and agents, tags each to the event, merges duplicates and tracks acknowledgement.
Reads post-event aerial and drone captures for every reported or exposed address: roof surface missing, structures down, debris, water lines.
Routes each claim to fast-track, desk review or a field visit from the notice, the photos and the imagery, and marks homes that are uninhabitable.
Scores every policy in the footprint that has not reported on how likely it is to report tomorrow and this week, the expected-claims layer on the map.
Matches field adjusters to zones by drive time and capacity, books visits uninhabitable first, forecasts staffing gaps and drafts the request to outside firms.
Writes the daily event report for leadership from the same numbers as the map, with every figure traced to its screen.
Assigns zones, signs requests. The agents propose; a named person decides.
Anyone on the event can ask in plain words. Each answer cites where its numbers come from and opens the screen that shows them.
Why do we expect 2,340 claims tomorrow?
Because 42,718 policies inside the footprint have not reported, and the hardest-hit of them are the least able to. Each is scored from the wind at its address, the reporting curve of our last two Gulf hurricanes and the power outage map by ZIP code. 2,340 are 50% or more likely to report tomorrow; 8,915 within a week; about 31,900 claims in all. The densest cluster is Punta Gorda Isles: 340 expected there tomorrow, where the field is already short.
Where are we short of field adjusters?
Punta Gorda Isles and Burnt Store. 182 field visits are not scheduled there, and about 82 more will come from homes expected to report tomorrow. At 5 visits a day over 5 days that needs 11 adjusters; only 6 can reach it within 45 minutes. Most of the 182 are staged in Venice, North Port and Fort Myers, where there is power.
Which uninhabitable homes have no visit booked?
Every one of those families has had a first call and was offered a $2,500 living-expense advance. The oldest is the Albarado family at 2214 Sabal Key Drive, Punta Gorda: 38% of the roof is missing on the 10 Oct imagery and they are staying in Arcadia. The claim board is filtered to these homes.
Are any claims close to a Florida deadline?
None is late. 412 claims still need the 7-day acknowledgement; the oldest 31 are due Thu 15 Oct and 118 on Fri 16 Oct. The letters are drafted, and one click on the clocks screen sends them. The first pay-or-deny dates fall on Mon 7 Dec.
11 screens from the working solution, on its sample data. Pick one to see it large.
Routing, deployment and forecast rules are settings, each change versioned and replayed on the event so far.
| Setting | Default | Choose from |
|---|---|---|
| Fast-track ceiling | $7,500 | In steps of $500 |
| Send a field adjuster when | Uninhabitable · roof surface missing over 25% · water inside · structural damage | Also: prior open claim |
| Uninhabitable homes | $2,500 advance offered | $1,500 · $2,500 · $3,500 |
| Agents may close a claim | Never · an adjuster decides | Fixed |
| Longest drive to a zone | 45 min | In steps of 5 min |
| Field visits per adjuster per day | 5 a day | In steps of 1 |
| Field visit target | Within 5 days of first notice | 3 · 5 · 7 days |
| Show a policy as expected | 50% or more likely | 40 · 50 · 60% |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample event data · “target” = the design goal, measured in the live solution · “estimated” = Botminds estimate · “typical” = published figures (Insurance Business, desk adjuster requests, 2026 — 100–200 desk adjusters per event, up from 25–50) · Florida deadlines: Fla. Stat. §627.70131. Hurricane Delphine, Corvane Mutual, the adjusting firms, policyholders and people named on this page are fictional — characters and sample data in the working solution.
Software that runs a carrier's response to a hurricane, hail storm or wildfire: taking in the surge of first notices, sorting claims by severity, deploying staff and outside adjusters, and keeping every regulatory clock. Catastrophe Claims Management puts all of it on one live map, with seven agents doing the counting, routing, forecasting and drafting.
The severity and routing agent applies your routing rules to the notice, the photos and the imagery. Claims below the fast-track ceiling, with photos and no structural damage, go to the desk to settle from photos; any one field-visit trigger, such as roof surface missing over 25% or water inside, sends a field adjuster. Every claim shows the reason, and an adjuster can re-route it.
The volume forecaster scores every policy in force inside the footprint that has not reported, from the wind at its address, the reporting curves of past events, power outage reports and neighbours' claims. Policies above the threshold you set count as expected claims, and zones count them into the visits they will need.
The catastrophe manager draws a zone or picks one the agents suggest. The deployment planner offers only adjusters within the drive-time limit, books visits uninhabitable homes first once she assigns the zone, and adds any shortfall to the request to the outside adjusting firms.
Yes. The clocks screen counts the 7-day acknowledgement and the 60-day pay-or-deny deadline under Florida Statutes §627.70131 for every claim in the event, alongside the carrier's own catastrophe standards such as a first call within 24 hours.
Yes. Agents never close, deny or pay a claim; adjusters own every claim and every payment. Visits are booked only when the catastrophe manager assigns a zone, outside requests and the daily report go only when she signs, and spend over $2M or any outreach needs the director's approval.
Your claim system, advisories and event perimeters, policies in force, aerial and drone imagery, staff and outside-firm rosters, and power outage reports.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your catastrophe playbook, routing rules, outside firm contracts and the data from a past event — and it goes live once every quality gate has passed. We will walk you through it on one of your own events first.
A coverage position on day one, every answer tied to the policy wording.
1-min demoFNOL & Claims Triage AutomationEvery new claim sized and on the right desk before an adjuster opens it.
1-min demoEstimate & Supplement ReviewEvery line reviewed, not a sample, so inflated labor and parts are caught.
1-min demoWe'll run Catastrophe Claims Management on the claims, policies and rosters from one of your past events.