Handle 2x the claims. Earn $50k+ more per year.

The AI Agent That Runs Your Back Office So You Can Run More Claims

An AI agent that reads your documents, tracks statutory deadlines, drafts correspondence, and organizes your claim files. Built on Florida insurance law. Live now.

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You Got Licensed to Advocate for Policyholders. Not to Manage Spreadsheets.

Florida gives you zero margin for error on compliance, and every hour you spend on paperwork is an hour you're not closing claims.

  • Missed deadlines cost real money. One blown 60-day estimate deadline under F.S. 626.854(11)(b) can void your compensation on the entire claim.
  • Your files are scattered. Declarations in email, photos on your phone, carrier letters in a shared drive, estimates in Xactimate. Assembling a complete claim file takes hours.
  • Communications fall through the cracks. Emails from carriers, policyholders, contractors, and attorneys across dozens of claims. Miss a carrier response window and you risk compliance violations.
  • Compliance keeps changing. Disclosure requirements, fee caps, pre-suit notice rules. Violations carry fines up to $5,000 per act.
  • Admin caps your income. You can't take on more claims when your back office is buried under the ones you have.

What the Agent Does

Every feature runs on Florida insurance law and carrier procedures. You review and approve. The agent does the rest.

Trained on Florida Insurance Law

Upload a policy declaration and it pulls coverage limits, deductibles, and named insureds into your claim record. Ask it to draft a notice of loss and it applies F.S. 626.8796 requirements.

  • HO-3, HO-4, HO-6, DP-1, DP-3, wind-only, flood, commercial
  • Compliant carrier correspondence with Florida disclosure requirements
  • Weather memos from NOAA data for date-of-loss support
  • Florida Building Code references for damage assessment
Policy Declaration Analysis
Heritage_PolicyDec_Santos.pdf
Policy Type HO-3 (Homeowner)
Dwelling Coverage $450,000
Other Structures $45,000 (10%)
Personal Property $225,000 (50%)
Deductible 2% Hurricane / $1,000 AOP
Named Insured Maria & Carlos Santos
Wind Zone HVHZ (Miami-Dade)
8 Fields Extracted Auto-populated to claim record

Letter of Representation in Minutes

Sign a new client, and the agent generates a compliant LOR from the claim data on file. Review, send for eSignature, and the agent delivers it to the carrier.

  • F.S. 626.8796 and FAC 69B-220.051 disclosures included
  • Filed in the claim record with timestamped audit trail
Letter of Representation
Policyholder Maria Santos Policy # HO3-FL-2847193 Carrier Heritage Property & Casualty Date of Loss Oct 9, 2025
F.S. 626.8796 Disclosures Included
FAC 69B-220.051 Compliant
Ready for Signature Send for Signature

All Claim Communications in One Place

Syncs with your email. Every claim-related message is captured, linked to the right file, and mined for data. Outbound drafts use correct statutory language.

  • Tracks response timelines so you never miss a carrier acknowledgment window
  • Full communication history per claim, searchable and auditable
Claim Communications — Santos
Heritage Property & Casualty Oct 15

Claim #HPC-2025-94712 acknowledged. Adjuster James Rivera assigned...

Extracted: Claim # Extracted: Adjuster
To: Heritage P&C — Missing Docs Request Oct 22

Per F.S. 627.70131, please provide the complete claim file...

Sent Read
Heritage Property & Casualty Nov 1

Attached: Field adjuster estimate and scope of work...

Extracted: Estimate
Response to Coverage Determination

Regarding the ALE coverage determination dated Nov 1...

AI Draft Review & Send
4 messages captured 2 action items

Statutory Deadlines, Tracked Automatically

The agent extracts dates from your documents and projects every applicable deadline under Florida law. Your obligations and the carrier's.

  • Color-coded urgency: overdue, critical, warning, caution
  • Statute citation on every deadline
  • Business-day calculations where statutes require them
  • Audit trail when dates change (old deadlines superseded, new ones created)
Upcoming Deadlines — Santos Claim
60-Day Written Estimate
F.S. 626.854(11)(b)
3 days overdue
7-Day Contract Submission
F.S. 626.8796
2 days left
Carrier Acknowledgment
F.S. 627.70131(1)(a)
5 days left
3-Day Rescission Period
F.S. 626.854(6)
Complete
60-Day Carrier Pay/Deny
F.S. 627.70131(7)(a)
38 days left
1-Year Initial Filing
F.S. 627.70132(2)(a)
312 days left

Upload a Document. The Claim Updates Itself.

Policy declarations, carrier letters, estimates, photos. The agent reads each file, extracts data, and updates the claim record. No data entry.

  • Policy numbers, limits, deductibles, insureds, claim numbers, adjuster contacts
  • Auto-sorted into standardized folders with consistent naming
Document Processing
Policy_Declaration.pdf 12 fields
Carrier_Letter_Nov1.pdf 8 fields
PA_Estimate_Santos.pdf 47 line items
Filed to: Policy Documents / Carrier Correspondence / Estimates
3 documents processed 67 data points extracted

Drop 300 Inspection Photos. Get Them Sorted in Seconds.

Upload in bulk. The agent identifies each photo and sorts by area with consistent naming.

  • Roof by component: ridge, fascia, soffit, flashing, penetrations
  • Exterior by elevation: walls, foundation, HVAC, landscaping
  • Interior by room, detail shots tagged by type
Photo Organization

247 photos uploaded from inspection

Roof damage showing wind-damaged shingles on a Florida home Roof
Exterior patio damage from hurricane wind on a Florida property Exterior
Interior water damage to living room ceiling from roof leak Interior
Roof (64)
Ridge, Fascia, Soffit, Flashing
Exterior (52)
North Wall, South Wall, HVAC
Interior (89)
Kitchen, Master BR, Bath 2
Detail (42)
Measurements, Damage Close-ups
247 photos sorted 4 categories · 12 subcategories

Proof of Loss, Generated and Ready to Sign

Populated from your claim data. No re-keying from estimates or policy decs. Flags inconsistencies against the policy before you sign.

  • Carrier-specific formatting where applicable
  • eSignature and submission directly from the claim
Proof of Loss — Santos Claim
Policy # HO3-FL-2847193 Date of Loss Oct 9, 2025 Building Damage $94,200.00 Contents $18,400.00
ALE $12,800.00

ALE claimed ($12,800) exceeds policy sublimit ($10,000). Review before submission.

Deductible $9,000.00 (2% Hurricane)
Total Claimed $116,400.00
Review Needed Send for Signature

eSignature Built Into the Claim

Representation agreements, proofs of loss, direction-to-pay forms. The agent sends them for signature, routes to the correct signers, sends reminders, and files executed copies back into the claim.

  • Routes to policyholder, named insureds, mortgagee
  • Status tracking: pending, viewed, signed, expired
Signature Workflow — Letter of Rep
Maria Santos Policyholder
Signed Oct 12
Carlos Santos Co-Insured
Signed Oct 12
Heritage P&C Carrier Delivery
Delivered Oct 12
First National Bank Mortgagee (Loss Payee)
Pending Reminder sent
3 of 4 Complete Send Reminder

Contents Claims Without the Spreadsheet

Contents inventories inside the claim. Policyholders submit items directly, the agent helps with replacement cost research and depreciation, and the finished inventory exports in carrier-accepted format.

  • Organized by room, category, and coverage sublimit
  • Tracks against personal property limits automatically
Contents Inventory — Santos Claim
Item Qty RCV Dep%
Kitchen
Samsung Refrigerator 1 $2,899 20%
KitchenAid Stand Mixer 1 $449 25%
Dinnerware Set (8pc) 1 $320 40%
Master Bedroom
Tempur-Pedic King Mattress 1 $3,199 30%
Restoration Hardware Dresser 1 $1,800 30%
14 items catalogued $28,400 total RCV
Within policy limits Export for Carrier

Find the Dollars the Carrier Missed

Upload the carrier's estimate alongside yours. The agent compares line by line: omitted items, quantity differences, pricing variances, dollar impact of each.

  • Formatted report you can send directly to the carrier
  • Supports Xactimate and standard carrier estimate formats
Discrepancy Report — Santos Claim
PA Estimate: $118,400
Carrier: $71,088
Δ $47,312
Roof Replacement +$13,500
PA: $42,000 · Carrier: $28,500
Carrier used 3-tab pricing; property has architectural shingles per inspection.
Interior Water Damage +$9,800
PA: $18,200 · Carrier: $8,400
Carrier omitted bathroom 2 and hallway damage from scope.
Exterior Siding +$4,200
PA: $15,600 · Carrier: $11,400
Quantity difference on vinyl siding LF measurement.
Drywall Repairs +$1,600
PA: $8,400 · Carrier: $6,800
Unit price variance on texture match.
12 variances found Generate Response

Complete Claim Timeline, Built Automatically

Every claim event logged with a timestamp as it happens. When you prepare for negotiation or pre-suit, the full history is already assembled.

  • Exportable for pre-suit, appraisal, or attorney handoff
  • Full audit trail of corrections and deadline changes
Claim Timeline — Santos
Oct 12, 2025
Contract signed by policyholder
Oct 12, 2025
Letter of representation sent to Heritage Insurance
Oct 15, 2025
Carrier acknowledged claim
7-day deadline met
Oct 18, 2025
Property inspection completed
247 photos uploaded and organized
Oct 25, 2025
PA estimate uploaded: $118,400
Nov 8, 2025
Carrier estimate received: $71,088
Nov 8, 2025
Discrepancy analysis generated
$47,312 variance identified
Pending
60-day carrier pay/deny deadline
18 days remaining

Built on Florida Insurance Law

The statutes, codes, and carrier procedures that govern Florida public adjusting.

Statutory Compliance
F.S. 626 & 627, FAC 69B-220, SB 2A filing windows, fee caps
Florida Building Code
8th Edition (2023), HVHZ/WBDR zones, 25% roof rule, design pressures
Carrier Response Tracking
7-day acknowledge, 30-day inspect, 60-day pay/deny, catastrophe extensions
Weather Documentation
NOAA/NWS data for wind, precipitation, alerts to support date-of-loss claims
Carrier Intelligence
Citizens, Universal, Heritage, Tower Hill, FedNat, and more — portals, A.M. Best

Straightforward Pricing

Everything included. No per-claim fees. No feature gates. Cancel anytime on monthly.

Monthly

$399/mo

No contract. Cancel anytime.

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Save $2,789/yr

Annual

$1,999/yr

Paid upfront. That's $167/month.

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Everything Included

  • Unlimited claims
  • AI agent with Florida insurance expertise
  • Automatic statutory deadline tracking
  • Document intelligence and data extraction
  • Integrated communications (email sync)
  • eSignature integration with automatic routing
  • Letter of representation generation and delivery
  • Proof of loss generation
  • Personal property inventory management
  • Line-item estimate discrepancy analysis
  • Inspection photo organization
  • Auto-generated claim timelines
  • Organized file management
  • Contact management
  • Weather memo generation (NOAA data)
  • Notice of loss document generation
  • Full claim data history and audit trail

Join the waitlist today to lock in early-adopter pricing.

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Live in Florida. Your State Next.

We started in Florida because it has the most demanding regulatory environment for PAs. More states are in development.

Texas Louisiana New York California Georgia South Carolina North Carolina Colorado Connecticut New Jersey

Not in Florida? Join the waitlist and tell us your state.

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Frequently Asked Questions

Spend Less Time on Paperwork. Close More Claims.

Restoria is live in Florida. We're gradually opening access. Join the waitlist to secure your spot.

Live in Florida. Texas, Louisiana, New York, California, and more coming soon.