Restoria - Intelligent Lead Qualification for Public Adjusters

Focus Your Expertise Where It Matters Most

After a catastrophe, policyholders depend on your expertise to navigate the complex claims process and secure a fair settlement. Your work is vital. However, the sheer volume of inquiries after a major event creates significant hurdles that can hinder your ability to deliver the best results efficiently.

Identifying High-Value Claims Quickly

Quickly identifying high-priority, high-value claims within the initial surge before they go cold, while competitors are moving just as fast.

Restoria Solution: AI instantly analyzes policy data and damage evidence, prioritizing your queue so you focus on the most impactful claims first.

Freeing Up Adjuster Time

Preventing skilled adjusters from getting bogged down in low-value intake tasks like filtering calls, deciphering vague descriptions, and manual data entry.

Restoria Solution: Automate data extraction and initial assessment, freeing up your experts for critical thinking, detailed evaluation, and negotiation.

Avoiding Buried High-Value Claims

Ensuring large or complex claims aren't initially overlooked or misjudged in the flood of inquiries, where a $1M fire might initially resemble a $10k roof claim.

Restoria Solution: AI flags high potential value based on policy limits and damage severity indicators, preventing profitable claims from getting lost in the noise.

Gaining Upfront Clarity

Wasting precious days or weeks pursuing claims with clear coverage issues or minor damage due to a lack of clear, concise information upfront.

Restoria Solution: Get immediate policy insights (coverage flags, deductibles) and AI damage summaries to quickly identify non-viable leads and focus resources effectively.

Restoria provides the clarity and automation needed to overcome these hurdles, capture more value, and focus your expertise where it matters most.

Restoria. Intelligent Triage. Automated Qualification.

Restoria is the AI platform built for high-volume, catastrophe-focused public adjusters. It analyzes the policy and the damage evidence upfront. Our AI reads policies, interprets damage photos/descriptions, and asks the right questions, delivering qualified leads with critical context.

Smart Intake & Data Capture

Replace manual data entry. Clients use a simple, secure Restoria form integrated into your website. They submit essential contact details, information about the loss, their insurance policy document, and initial damage evidence (like photos, videos, or text descriptions).

The intelligent form can dynamically ask relevant follow-up questions based on the type of loss reported, ensuring you gather the necessary information upfront without overwhelming the client. All uploads are handled with bank-level security.

Step 1: Policy Analyzed

Your insurance policy document has been securely uploaded and analyzed.

Homeowners Policy

HOMEOWNERS POLICY DECLARATIONS

Policy Number: H01-9876543-01

Policy Period: 01/01/2024 to 01/01/2025

Named Insured: Jane Smith

Property Address: 123 Oak Avenue, Anytown, FL 34567

Carrier: Coastal Mutual Insurance Company

COVERAGES

A. Dwelling ..................... $450,000

B. Other Structures ............. $ 45,000

C. Personal Property ............ $225,000

D. Loss of Use .................. $ 90,000

E. Personal Liability - $300,000 per occurrence

DEDUCTIBLES

All Other Perils ................ $ 2,500

Hurricane/Named Storm ........... $ 9,000 (2% of Coverage A)

(Applies per occurrence)

FORMS AND ENDORSEMENTS

HO-3 (05/11), CM-FL-1, Water Damage Exclusion...

HO_Policy_Smith.pdf Analyzed

Step 2: Details Confirmed

Key details confirmed, including AI-extracted information.

Full Name

Jane Smith AI Extracted

Address of Loss

123 Oak Avenue... AI Extracted

Date of Loss

09/15/2024

Claim Type

Hurricane

Step 3: Damage Reviewed

Damage evidence reviewed, with key indicators extracted by AI.

Uploaded Evidence:

AI Damage Summary:

Significant roof damage detected (missing shingles). Evidence of water intrusion via broken window... Water line ~3.5 ft... Potential structural concerns flagged...

Key Damage Indicators:

Roof: Missing Shingles AI Extracted

Water Intrusion:

Yes - Broken Window (Living Room) AI Extracted

Water Line Height (Approx):

3.5 ft AI Extracted

AI Analyzes the Policy

Forget hours of manual review. As soon as the policy is uploaded, Restoria's AI engine securely scans and interprets the document within seconds.

It automatically extracts critical data points including:

Named Insured & Property Address
Insurance Carrier & Policy Number
Effective Dates
Coverage Limits (Dwelling, Other Structures, Contents, Loss of Use)
Deductibles (All Other Perils, Hurricane/Wind)
Potentially relevant clauses or endorsements (e.g., ACV provisions, specific exclusions)

This provides immediate clarity on coverage structure and potential policy-related hurdles.

AI Policy Analysis Results

Key Data Extracted

Named Insured

Jane Smith AI Extracted

Carrier

Coastal Mutual AI Extracted

Policy #

H01-9876543 AI Extracted

Effective Dates

01/01/24 - 01/01/25 AI Extracted

Coverage A (Dwelling)

$450,000 AI Extracted

Coverage B (Other Struc.)

$45,000 AI Extracted

Coverage C (Contents)

$225,000 AI Extracted

Coverage D (Loss of Use)

$90,000 AI Extracted

Deductible (AOP)

$2,500 AI Extracted

Deductible (Hurricane)

2% ($9,000) AI Extracted

AI Assesses Damage & Estimates Value

Restoria analyzes the submitted damage evidence. Using computer vision for images/videos and natural language processing for text descriptions, the AI identifies key indicators of damage type and severity.

It pinpoints affected areas (e.g., roof, specific rooms), notes crucial details (like missing shingles or water line height), and flags potential concerns requiring adjuster attention (such as signs of structural damage or flood involvement vs. wind-driven rain).

Based on the identified damage and policy context, Restoria generates a preliminary Replacement Cost Value (RCV) estimate range, giving you an early indication of the claim's potential financial scope.

AI Damage & Value Assessment

Damage Evidence

Damage Assessment

Primary Damage

Hurricane (Wind/Water) AI Extracted

Affected Areas

Roof, Living Room, Windows (South) AI Extracted

Severity Indicators

Missing Shingles, Water Intrusion (>3ft), Broken Glass, Potential Structural AI Extracted

Source

Photo Analysis, Text Desc. AI Extracted

Potential Flags for Review

Hurricane Deductible Applies
Check Flood Sublimit / Exclusion

Preliminary Value Estimate

$45,000 - $65,000

Estimated RCV Range

Prioritized Report Delivered to CRM

All analysis culminates in a concise Restoria Qualification Report. Restoria assigns a priority score based on estimated value, coverage viability, and your firm's custom criteria.

This prioritized lead record, enriched with the AI summary, key data points, and critical flags, automatically appears in your firm's CRM (e.g., ClaimWizard, Claim Titan, etc.). Your team gets actionable insights instantly—ready for expert review and decisive follow-up.

Lead Record - Jane Smith

Restoria AI Qualification

High Priority

Est. Value (RCV)

$45,000 - $65,000

Key Coverages

Cov A: $450k / Hurr Ded: 2% ($9k)

AI Summary

Significant roof damage (missing shingles), water intrusion via broken window (living rm), water line ~3.5 ft. Potential structural concerns noted.

Potential Flags

Hurricane Deductible Applies ($9k)

High Risk: Policy indicates ACV settlement for roof due to age (>15 years). Estimated ACV significantly lower than RCV, impacting claim viability.

Check Flood Sublimit / Exclusion

Source Documents

View Policy PDF View Damage Evidence

Comprehensive Feature Set

Restoria offers a powerful suite of AI-driven tools designed to streamline every step of your lead qualification process.

Lead Intake & Interaction

Embeddable, dynamic AI-powered intake forms.
Secure document & damage evidence uploads.
Secure link generation for phone intake.
Automated client communication (SMS/Email).
White-labeling for seamless website integration.
Phone AI Agent (Coming Soon).

AI Policy Analysis

Multi-format document parsing (PDF, DOCX, Images).
Automated extraction of key policy data (limits, deductibles, etc.).
Identification of critical clauses & endorsements.
AI-driven flagging for coverage gaps, high deductibles, ACV issues.

AI Damage Assessment

Visual analysis of damage photos/videos (type, severity, materials).
Analysis of client descriptions for keywords and sentiment.
Automated generation of concise damage summaries.
Consistency checks between visual and textual evidence.

Lead Qualification

Configurable rules for lead prioritization.
Automated priority scoring based on AI analysis and rules.
Initial viability assessment (coverage issues, minimal damage).
Consolidated, actionable flag generation.

CRM & Workflow

Direct integration with popular PA CRMs (ClaimWizard, Claim Titan, etc.).
Embedded Restoria Qualification Report within CRM records.
Easy access links to original source documents.
Workflow automation: lead assignment, suggested next steps, status sync.

Reporting & Analytics

PA Dashboard for lead overview and status tracking.
Key performance metrics (qualification time, conversion rates).
AI performance insights and feedback loop.
Platform security, user roles, customization, and scalability.

Focus Your Expertise Where It Matters Most

Identifying High-Value Claims Quickly

Freeing Up Adjuster Time

Avoiding Buried High-Value Claims

Gaining Upfront Clarity

Restoria. Intelligent Triage. Automated Qualification.

Smart Intake & Data Capture

Step 1: Policy Analyzed

Step 2: Details Confirmed

Step 3: Damage Reviewed

AI Analyzes the Policy

AI Policy Analysis Results

Key Data Extracted

AI Assesses Damage & Estimates Value

AI Damage & Value Assessment

Damage Evidence

Damage Assessment

Potential Flags for Review

Preliminary Value Estimate

Prioritized Report Delivered to CRM

Restoria AI Qualification

Handling a Wide Range of Property Claims

Hurricane & Wind

Fire & Smoke

Water & Flood

Hail & Storm

Mold Remediation

Business Interruption

Structural Collapse

Vandalism & Theft

Built for the Speed and Scale of Catastrophe Response.

Owners / Managing Partners

Operations Managers

Intake Specialists

Adjusters

Leading Catastrophe Firms Gain Clarity with Restoria.