AI claim agent for Florida public adjusters

Handle more claims with less overhead.

Restoria organizes claim records and prepares source-linked comparison, correspondence, negotiation, and closeout drafts for licensed-public-adjuster review.

Start free trial See how it works

Card required. $399/month after the trial unless you cancel.

Restoria Santos demo claim

Agent working

Compare the carrier estimate and prepare the response.

I’m checking every line, finding Florida support, and drafting the rebuttal.

Claim run Santos roof claim

4 tasks in motion

Compare estimates217 lines checked $12,860 illustrative difference
Find Florida supportCode, policy, and product approval 8 sources
Draft the rebuttalLine-by-line response for licensed review Pending PA review
Prepare negotiationPosition, evidence, and talking points Pending PA review

Review draft Source-linked carrier-response draft Illustrative difference; not a claim-value conclusion

More visibility. Less rework.

Review-ready source-linked drafts organized for licensed-public-adjuster review

Firm-controlled external actions wait for licensed-public-adjuster authorization

Operational outcomes vary by file, workflow, source quality, and reviewer.

One workspace prepares review-ready work from first notice through final payment.

The following examples are fictional. Restoria prepares drafts; a licensed public adjuster reviews all work, decides claim and legal positions, and authorizes every external communication or submission.

Engage Signed intake packet

1/ 7

Engage the policyholder

Restoria starts the claim before the first firm call.

It organizes interview facts and prepares the Florida PA agreement and disclosures for a licensed public adjuster to review and authorize.

Prepares a branded intake link and organizes interview responses
Organizes policies, photos, and carrier files
Queues approved eSignature packets and tracks status

Start Maria Santos’s wind claim and prepare the engagement packet.

I’ll extract the intake facts and prepare the Florida agreement for your review and authorization before it is sent.

Maria SantosWind / roof and interior

Policy: HO3-FL-2847193
Date of loss: Oct 9, 2025
Property: Fort Myers, FL
Carrier: Heritage P&C

PA agreementSigned

Florida disclosureSigned

Carrier delivery packagePending PA review

Report and preserve

Restoria creates the notice and evidence plan.

It prepares first-notice and evidence-request drafts, then tracks the carrier and inspection calendar after a licensed public adjuster authorizes each send.

Prepares first notice for licensed-public-adjuster review
Drafts tailored evidence requests and follow-ups
Tracks date sources and inspection dates without making a deadline determination

Report the loss and tell me what evidence is still missing.

I’ll prepare first notice and the roof and interior evidence requests for your review and authorization.

DraftFirst notice preparedPending licensed-public-adjuster authorization

TextRoof photo requestPolicyholder follow-up scheduled

DueInspection and moisture planLiving room and hallway

Build the claim strategy

Restoria reads the policy and plans the work.

It extracts policy terms and potentially relevant Florida sources, then prepares review prompts without deciding coverage, legal applicability, or a deadline.

Creates a policy-term source map for licensed review
Flags claim and carrier date sources for reviewer confirmation
Queues follow-ups before work stalls

Read the policy and build the claim strategy.

I’ll extract policy terms and date sources for your review; you decide applicability, coverage, and any deadline.

DwellingReplacement costCoverage A / page 6

Ordinance or law25% limitHO 04 77 / page 2

Carrier-response date promptReview requiredSource and triggering facts require licensed review

Inspect and scope

Restoria turns field evidence into a scope-review draft.

It coordinates the inspection, reads photos and notes, and builds the property, contents, and ALE records.

Prepares inspection scheduling and instruction drafts for authorization
Connects photos to damaged components
Builds contents and ALE records

Organize the inspection photos and build the damage scope.

I’ll connect each photo to the room, component, contents, and ALE record.

Wind-damaged roof shingles — Roof 64 photos

Storm debris and exterior patio damage — Exterior 52 photos

Interior living room water damage — Interior 89 photos

Moisture reading on damaged roof decking — Detail 42 photos

Roof18 itemsPending PA review

Living room9 itemsPending PA review

Hallway7 itemsPending PA review

Exterior4 itemsPending PA review

Estimate and prepare

Restoria prepares the claim-package review draft.

It compares estimate lines, flags possible differences, and prepares the proof of loss and carrier package for licensed-public-adjuster review and authorized delivery.

Compares every estimate line
Attaches code and evidence sources without deciding applicability
Prepares the proof of loss for licensed review and authorized eSignature
Queues the reviewed package for authorized submission and receipt tracking

Compare our estimate with the carrier’s and prepare the claim package.

I’ll flag possible scope differences and prepare the proof of loss and package for your review and authorization.

ScopeCarrierIllustrative draft

Roofing$31,240$40,880

Interior$8,760$10,940

Code items$2,180$3,220

Inspection record Florida code Estimate comparison

Illustrative draft difference$12,860

Policy: HO3-FL-2847193
Date of loss: Oct 9, 2025
Amount claimed: $127,450

Pending licensed-public- adjuster review

Rebut and negotiate

Restoria drafts the response and prepares the room.

It prepares line-by-line response and briefing drafts, then tracks follow-up only after a licensed public adjuster reviews and authorizes the communication.

Drafts a response to each carrier position for licensed review
Cites policy, code, and evidence
Queues an approved response for authorized sending and follow-up
Builds the negotiation, mediation, or appraisal brief

Answer the carrier’s roofing position with the claim support.

I’ll prepare the rebuttal and source packet for your review and authorization before anything is sent.

Estimate comparison Policy endorsement Florida code

Re: Santos claim / omitted roofing scope

The carrier estimate omits underlayment, starter course, and drip edge work documented in the inspection record.

This draft links each proposed line item to the estimate comparison, policy endorsement, and a potentially relevant Florida code source for licensed review.

Collect and close

Restoria organizes every payment through closeout.

It prepares payment-ledger, withheld-amount, mortgagee, and closeout follow-up drafts for licensed-public-adjuster review and authorization.

Matches payment records to policy labels for reviewer confirmation
Prepares recoverable depreciation requests for PA approval
Prepares mortgagee and lienholder follow-up for PA authorization
Prepares the client closeout for authorized eSignature

Reconcile every payment and prepare the client closeout.

I’ll prepare the withheld-amount request, ledger, and closeout for your review and authorization.

Initial carrier payment$39,680

Supplement payment$11,920

Recoverable depreciation$3,440

Less deductible-$2,500

Total claim payment$52,540

Florida sources organized for every review.

Restoria organizes potentially relevant Florida statutes, building codes, local requirements, and official storm data. A licensed public adjuster or counsel determines applicability.

Organizes timeline sourcesFlags dates and source prompts for licensed review.

Finds code source candidatesSurfaces code, amendment, and approval materials for review.

Links code and policy sourcesPrepares a source map without coverage or legal conclusions.

Builds hurricane-aware evidenceCreates the official event chronology.

Prepares a dispute-review draftOrganizes a negotiation or mediation brief for licensed review.

Florida source agent Omitted roofing scope

Researching

Find the Florida support for this omitted roofing scope.

I’ll organize potentially relevant statute, code, product-approval, and storm sources for your review; you decide applicability and claim position.

Source runFlorida signals connected

Claim fact Roof replacement in Miami-Dade after a June 10 wind event

Claim clock6 date sources flagged for review Connected

Jurisdiction and codeFlorida code and HVHZ context found Connected

Code and policy source map3 possible differences flagged Connected

Storm chronologyOfficial event evidence matched Connected

Florida Statutes Building code NOAA event data

Agent output

Source-linked briefs pending licensed-PA review 11 additions with 8 cited sources

Illustrative draft only

11 source-linked additions prepared for licensed-public-adjuster review.

Built around current source material from the Florida Statutes, Florida Building Commission, and NOAA Storm Events.

Keep your tools. Give them an agent.

Restoria uses the files and channels your firm already depends on, then returns review-ready claim drafts.

Bring the claim context

XactimateBring in the estimates your firm already creates.

Email and carrier lettersKeep the correspondence that explains every position.

Policies, photos, and reportsGive the agent the evidence behind the file.

Get review-ready drafts back

Estimate comparisonsSee missing scope, pricing differences, and support.

Supplements and rebuttalsReceive the written response with citations attached.

Negotiation and payment briefsWalk into the next conversation with the claim assembled.

Integration switchyard

The claim moves. The context stays together.

Restoria pulls in claim context, prepares the busywork for licensed review, and routes approved documents, signatures, and payment records back where they belong.

Claim context in