AI claim agent for Florida public adjusters

Handle more claims with less overhead.

Restoria scopes losses, compares estimates, writes rebuttals, prepares negotiations, and reconciles payments.

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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
  1. Compare estimates217 lines checked $12,860 gap
  2. Find Florida supportCode, policy, and product approval 8 sources
  3. Write the rebuttalLine-by-line response Drafted
  4. Prepare negotiationPosition, evidence, and talking points Ready
Completed output Carrier rebuttal with 8 cited sources $12,860 in supported additions

More capacity. More income.

30% more claims handled in testing
$30,000 more annual income on average

Individual results vary and are not guaranteed.

One agent does the busywork from first notice through final payment.

Engage Signed intake packet
1/ 7

Engage the policyholder

Restoria starts the claim before the first firm call.

It interviews the client, extracts the loss facts, then sends the Florida PA agreement and disclosures for eSignature.

  • Sends a branded intake link and runs the interview
  • Organizes policies, photos, and carrier files
  • Sends and tracks eSignatures
Engagement packetComplete

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

I’ll extract the intake facts, send the Florida agreement, and track each signature.

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 packageReady

Report and preserve

Restoria creates the notice and evidence plan.

It submits first notice, requests missing proof by email or text, and tracks the carrier and inspection calendar.

  • Submits first notice to the carrier
  • Sends tailored evidence requests and follows up
  • Tracks deadlines and inspection dates
Loss and evidence planActive

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

I’ll submit first notice and send the roof and interior evidence requests.

SentFirst notice submittedCarrier delivery confirmed
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 maps coverage, exclusions, endorsements, duties, limits, and Florida deadlines, then queues the next claim action.

  • Creates the coverage map
  • Monitors claim and carrier dates
  • Queues follow-ups before work stalls
Coverage brief12 sources

Read the policy and build the claim strategy.

I’ll map coverage and deadlines, then queue each follow-up.

DwellingReplacement costCoverage A / page 6
Ordinance or law25% limitHO 04 77 / page 2
Carrier responseAug 11FS 627.70131

Inspect and scope

Restoria turns field evidence into a complete scope.

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

  • Schedules inspections and sends preparation instructions
  • Connects photos to damaged components
  • Builds contents and ALE records
Damage scope38 components

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 itemsComplete
Living room9 itemsComplete
Hallway7 itemsComplete
Exterior4 itemsComplete

Estimate and submit

Restoria builds the supported claim package.

It compares estimates, finds omitted scope, sends the proof of loss for eSignature, and delivers the completed carrier package.

  • Compares every estimate line
  • Adds code and evidence support
  • Sends the proof of loss for eSignature
  • Submits the package and confirms receipt
Estimate comparisonComplete

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

I’ll find omitted scope, send the proof of loss, and submit the package.

ScopeCarrierSupported
Roofing$31,240$40,880
Interior$8,760$10,940
Code items$2,180$3,220
Inspection record Florida code Estimate comparison
Supported difference$12,860
Proof of lossPrepared
Policy
HO3-FL-2847193
Date of loss
Oct 9, 2025
Amount claimed
$127,450

Sent for eSignature

Rebut and negotiate

Restoria writes the response and prepares the room.

It writes and sends line-by-line rebuttals, tracks the carrier response, and prepares negotiation, mediation, or appraisal.

  • Answers each carrier position
  • Cites policy, code, and evidence
  • Sends the response and tracks follow-up
  • Builds the negotiation, mediation, or appraisal brief
Carrier rebuttalReady

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

I’ll write and send the rebuttal, attach the support, and track follow-up.

Estimate comparison Policy endorsement Florida code

Re: Santos claim / omitted roofing scope

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

Each requested line item is supported by the attached estimate comparison, policy endorsement, and applicable Florida code source.

8 citations11 disputed items$12,860 requested

Collect and close

Restoria follows every dollar through closeout.

It reconciles checks, requests withheld amounts, follows up with mortgagees, and sends the final client ledger and closeout documents.

  • Matches payments to coverage
  • Requests recoverable depreciation
  • Follows up with mortgagees and lienholders
  • Sends the client closeout for eSignature
Payment ledgerReconciled

Reconcile every payment and prepare the client closeout.

I’ll request withheld amounts, reconcile the ledger, and send the closeout.

Initial carrier payment$39,680
Supplement payment$11,920
Recoverable depreciation$3,440
Less deductible-$2,500
Total claim payment$52,540

Florida intelligence in every claim action.

Restoria applies Florida statutes, building codes, local requirements, and official storm data to the work it creates.

Works the statutory timelineBuilds the claim clock from the actual file.
Reads the code behind the repairFinds the applicable code, amendment, and approval.
Connects code to coverageTurns requirements into supported scope.
Builds hurricane-aware evidenceCreates the official event chronology.
Prepares the disputeWrites the negotiation and mediation package.
Florida source agent Omitted roofing scope
Researching

Find the Florida support for this omitted roofing scope.

I’ll connect the claim facts to the statute, code, product approval, and storm record.

Source runFlorida signals connected
Claim fact Roof replacement in Miami-Dade after a June 10 wind event
Claim clock6 statutory dates tracked Connected
Jurisdiction and codeFlorida code and HVHZ context found Connected
Code to coverage3 supported additions identified Connected
Storm chronologyOfficial event evidence matched Connected
Florida Statutes Building code NOAA event data
Agent output
Supplement, rebuttal, and mediation brief ready 11 additions with 8 cited sources
$12,860 supported

Restoria turns Florida source material into supported claim work, not a research summary.

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 completed claim work.

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 completed work 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, completes the busywork, and routes finished documents, signatures, and payment records back where they belong.

Claim context in

  • XactimateEstimates and scope
  • CompanyCamPhotos and field notes
  • Microsoft 365Mail, files, and calendars
  • Google WorkspaceMail, files, and calendars

Restoriaclaim agent

  1. Reads claim context
  2. Completes the busywork
  3. Routes finished work
Rebuttal drafted with 8 citations

Completed work out

  • eSignaturesPackets and approvals
  • QuickBooks OnlineInvoices and payment records
  • Zoom + Google MeetCalls and action items

One AI claim agent across every file.

Start with a live claim. Measure the estimating, rebuttal, and negotiation work Restoria completes during your trial.

  1. Connect Bring in one live claim
  2. Receive Get a completed claim artifact
  3. Measure See the working capacity gained

Restoria AI claim agent

$399/month

7-day free trial. $0 due today.

Start free trial
  • One agent across the full claim lifecycle
  • 40,000 monthly usage credits
  • Florida statute and building code intelligence
  • Estimate comparisons, supplements, and rebuttals
  • Negotiation briefs, e-signatures, and payment ledgers

Questions from working adjusters.

Put an AI agent on every claim.

Start with one live file and see the work Restoria completes.

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