- Before
- Gets one red-flag referral on one claim at a time, and hears about a contractor ring from a payments audit or a call from NICB.
- Now
- Sees the storm's look-alike estimates as clusters every morning, with the evidence for each, and decides the holds before the payment run.
One storm, one cluster, raised before payment
Hail to 2.75 in fell across Collin County, Texas, on Fri 25 Sep 2026. It is Mon 12 Oct, day 17 after the storm, and a payment run is due tomorrow. Here is what happens, screen by screen, in the working solution.
- 01Day 17, morning
The whole storm on one field
Gloria Navarro · SIU managerGloria opens the solution on the storm: 3,412 property claims in the footprint, 2,906 contractor estimates and invoices read, 1,118 direction-to-pay forms, 612 businesses named. Each bubble is a group of look-alike estimates, sized by homes. Five clusters sit right of the 0.85 similarity line — 97 homes, $1,917,928 not yet paid.
“Over the line: estimates copied, not written. Under it: a company's own template, quantities follow each roof.”
- 0206:02 – 06:14
This morning's run, step by step
The agentsThe storm footprint checker tied 214 new claims to the 25 Sep hail. The estimate reader read 188 estimates and 61 direction-to-pay forms, 6,214 lines. The fingerprinter compared them with 2,718 earlier estimates and found a new cluster — Caprock Restoration, 6 homes at 0.89 — and the payment guard found 4 C-07 payments queued for Tue 13 Oct, $92,420, with no acceptance letters sent yet.
“Decide the C-07 holds before the Tue 13 Oct payment run.”
- 03One click
Forty estimates from one template
Gloria Navarro · SIU managerShe opens the biggest bubble, C-07. It unfolds into its 40 estimates — 23 from Crestline Storm Restoration LLC, 17 from Northgate Roofing & Exteriors — and the identical lines light up across every sheet. Of 34 lines, 29 are identical in wording and quantity on all 40, 3 are reworded, 2 appear on 2 homes only.
The sheets are coloured by business name, and still light as one.
- 04Next
The same squares on every roof
Fingerprinter34.67 SQ of roof is billed on all 40 homes. The aerial measurement reports put those roofs between 21.4 and 39.8 squares, median 27.9. Thirty-six roofs are smaller than billed and four are larger: the quantity was never measured, it was pasted.
“36 roofs smaller than billed · 4 larger — the quantity was never measured.”
- 05Next
The Ostrowski estimate, word by word
Estimate readerEllen and Mark Ostrowski's estimate, CSR-0927-14 for 1418 Cedar Brake Ln, McKinney, with the copied sentences lit and the typos marked — the same two typos on every estimate, under both business names. The margin notes do the adjuster's arithmetic: 34.67 SQ billed on a roof that measures 23.6 SQ; steep and high-roof charges on a one-storey home of 5/12 pitch; 0.75 in of hail at the address.
The estimate reader keeps every line exactly as written, typos included, and never edits a figure.
- 06Who is behind them
Two business names, one contractor
Identity linkerNorthgate's assumed name was filed in Collin County on Fri 2 Oct — the day after desk adjuster Priya Raman questioned a Crestline estimate billing 34.67 SQ on a 26.0 SQ roof. Five links join the two names, each from a document: the same phone, PO box, bank account on the direction-to-pay forms, estimator J. Vance and rep signature, a 100% stroke match on all 40 forms.
Links only on a value found in a document, never on a similar name.
- 07Where the hail fell
Twelve homes under damaging hail
Storm footprint checkerThe storm map lays the C-07 homes over the radar-estimated hail. Damaging hail starts at 1.00 in at the address; 12 of the 40 homes saw less — the Ostrowski home 0.75 in, others as little as 0.50 in. The other 28 saw 1.25 in or more.
Reports the hail at the address and time. Never says whether a roof was damaged.
- 08Before payment
Forty claims, one decision
Payment guardThe claims list shows each claim in the cluster: roof measured and billed, hail at the home, payment and prompt-pay date. 31 are unpaid, billed $960,468.40. 9 were paid at actual cash value, $214,380, with $58,740 of depreciation still held — those go to recovery review. Three re-inspections are already in, from Dale Okonkwo.
- 09Signed
Hold and re-inspect 31 unpaid claims
Gloria Navarro · SIU managerGloria signs the hold and sends it to Marcus Hale, catastrophe claims manager, to co-sign — holds on more than 10 claims need him. The 4 queued payments are pulled from Tue 13 Oct, re-inspections are booked with Brazos Field Adjusting for Wed 14 – Fri 16 Oct, and 31 reason letters are drafted to the insureds, not the contractor, to go out on co-signature.
“We are re-inspecting your roof before we decide your claim … Your claim is not denied.”
- 10Week 3
The brief, and the fraud unit referral
Brief and referral writerThe week 3 storm fraud brief is drafted for Gloria to sign and send to catastrophe claims leadership, every figure linked to its source. Beside it, a draft referral to the Texas Department of Insurance, Fraud Unit, for Crestline and Northgate: 40 claims, 40 estimates, 40 forms, 5 link documents and 3 re-inspections attached, due Wed 11 Nov, for Theo Lindqvist to complete.
Draft only — no agent sends a letter, a brief or a referral.