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

Trained on Florida Insurance Law. Not Generic Q&A.

Restoria's agent knows Florida's public adjuster statutes, building codes, and carrier procedures. Tell it to draft a compliant notice of loss and it applies the requirements of F.S. 626.8796. Upload a policy declaration and it pulls coverage limits, deductibles, and named insureds into your claim record automatically.

• Reads and extracts data from uploaded documents without prompting
• Understands policy types: HO-3, HO-4, HO-6, DP-1, DP-3, wind-only, flood, commercial
• Drafts carrier correspondence that meets Florida's disclosure and formatting requirements
• Generates weather memos from NOAA data to support date-of-loss claims
• References the Florida Building Code for damage assessment context

Every Carrier Email. Every Policyholder Message. One Place.

Restoria connects to your email so every message related to a claim is captured, organized, and linked to the right file automatically. No more digging through your inbox to find a carrier's last response or wondering whether you replied to a policyholder's question from three weeks ago.

The agent reads incoming carrier correspondence, extracts key information (claim numbers, adjuster assignments, coverage determinations, deadlines), and updates your claim record. When you need to send a response, the agent drafts it with the correct statutory language and formatting. You review and send.

• Syncs with your email to capture and organize all claim-related correspondence automatically
• AI reads inbound carrier letters and extracts dates, determinations, and action items into your claim data
• Drafts outbound correspondence to carriers and policyholders with compliant language and proper formatting
• Tracks response timelines so you never miss a carrier acknowledgment window or policyholder follow-up
• Full communication history tied to each claim, searchable and auditable

Upload a Document. The Agent Reads It and Updates the Claim.

When you upload a file, the agent reads it immediately, extracts every relevant data point, and updates the claim record. Policy declarations, carrier letters, estimates, inspection photos. No data entry. No forms.

• Documents auto-sorted into a standardized folder hierarchy
• Naming conventions applied automatically
• Data stored in structured formats for consistency across all your claims

Proof of Loss. Generated from Your Claim Data. Ready to Sign.

Building a sworn proof of loss is one of the most time-consuming steps in the claim process and one of the most error-prone. Get the numbers wrong or miss a required field, and the carrier has grounds to delay or deny.

Restoria generates proof of loss documents by pulling directly from the structured claim data already in your file: policy limits, deductible amounts, date of loss, itemized damage totals, and coverage categories. The agent populates the form and helps flag potential inconsistencies against the policy before you review, sign, and submit.

• Auto-populated from extracted claim data. No re-keying figures from estimates or policy decs.
• Cross-referenced against policy limits and deductible calculations to catch errors before submission
• Formatted to meet carrier-specific requirements where applicable
• Ready for electronic signature and submission directly from the claim

Contents Claims Without the Spreadsheet.

Personal property inventories are tedious and error-prone. Policyholders provide partial lists. Adjusters research replacement costs manually. The whole thing lives in a spreadsheet nobody wants to maintain.

Restoria's agent helps you build and manage contents inventories inside the claim. Policyholders can submit their item lists directly. The agent assists with categorization, replacement cost research, and depreciation calculations. The finished inventory exports in the format carriers expect, organized by room, category, and coverage sublimit.

• Structured inventory with room-by-room and category-based organization
• AI-assisted replacement cost research and depreciation calculations
• Policyholder-facing input so clients can submit their item lists directly
• Exportable in standard carrier-accepted formats
• Tracks against personal property coverage limits and sublimits automatically

A Complete Claim Timeline. Built Automatically.

Every action on a claim (document uploaded, letter sent, carrier response received, deadline triggered, data extracted) is logged with a timestamp. The agent assembles these events into a chronological claim timeline that updates as the claim progresses.

When you need to prepare for a negotiation, an appraisal, or a pre-suit notice, the timeline gives you a complete, auditable history of the claim without you having to reconstruct it from memory or scattered notes.

• Every claim event logged automatically with timestamp and source
• Chronological view of all documents, communications, deadline events, and data changes
• Exportable for pre-suit notice preparation, appraisal, or attorney handoff
• Full audit trail of date corrections and deadline supersessions