Insurance Claims
Upload claim forms, damage photos, estimates, and policy documents. SaralFlow organizes a claim-ready packet for your adjuster — without missing deadlines.
Sample packet
Claim-ready packet
Sample claim · Demo homeowner (fictional)
Executive summary
What happened, what matters, and what to do next — from documents SaralFlow reviewed.
Storm damage claim #HC-2026-4421 filed April 16 — roof and window damage from April 14 wind/hail event.
Contractor estimates total $22,600 ($18,400 roof + $4,200 windows); policy dwelling coverage $320,000 with $2,500 deductible.
Wind/hail rider is active — loss type appears covered; estimated net payout ~$20,100 after deductible.
14 damage photos catalogued; adjuster M. Torres inspection scheduled April 22 — packet should be submitted before inspection.
Prior 2021 claim on file may affect settlement — explanation letter still needed.
Key findings
- Claim event: April 14 wind/hail storm — roof shingles lifted, 3 windows cracked
- Claim total estimate: $22,600 across roof ($18,400) and window ($4,200) damage
- Policy coverage: $320,000 dwelling · $2,500 deductible · wind/hail rider active
- Estimate comparison: Apex Roofing vs WindowPro — both itemized and ready for adjuster
- 14 damage photos catalogued by location — evidence packet complete except prior-claim letter
- Prior 2021 claim flagged — may require explanation before settlement
- Adjuster inspection scheduled April 22 — submit packet before on-site review
Timeline
- 2026-04-14 — Date of loss
Wind/hail storm — roof and window damage reported
- 2026-04-16 — Claim filed
Claim #HC-2026-4421 submitted to carrier
- 2026-04-22 — Adjuster inspection
Adjuster M. Torres — on-site inspection scheduled
- 2026-04-30 — Estimate expiry
WindowPro quote expires — renew or replace before adjuster review
Output sections
Claim summary
- Claim #HC-2026-4421
- Date of loss: April 14, 2026
- Type: Storm damage (wind/hail)
- Estimated total: $22,600
Coverage verification
- Dwelling coverage: $320,000 ✓
- Wind/hail rider: Active ✓
- Deductible: $2,500
- Estimated payout: ~$20,100
Document checklist
- Claim form ✓
- 14 damage photos ✓
- 2 contractor estimates ✓
- Policy summary ✓
- Prior claim explanation — needed
Next steps
- Submit packet before adjuster inspection April 22
- Prepare prior claim explanation
- Get third estimate if adjuster disputes amount
Source evidence
- Homeowners claim form — Storm damage Confirmed
- Damage photos — roof & windows (14 files) Confirmed
- Contractor estimate — Apex Roofing Confirmed
- Contractor estimate — WindowPro LLC Confirmed
- Insurance policy summary Confirmed
- Adjuster contact letter Confirmed
- Prior claim history Needs review
Documents reviewed
Homeowners claim form — Storm damage
ConfirmedClaim Form
Claim #HC-2026-4421 · policy number extracted · date of loss confirmed
Damage photos — roof & windows (14 files)
ConfirmedPhoto Evidence
14 photos catalogued · roof and window damage identified
Contractor estimate — Apex Roofing
ConfirmedRepair Estimate
$18,400 roof repair estimate · line items extracted
Contractor estimate — WindowPro LLC
ConfirmedRepair Estimate
$4,200 window replacement estimate
Insurance policy summary
ConfirmedPolicy Document
Dwelling coverage: $320,000 · Deductible: $2,500 · Wind/hail rider: included
Adjuster contact letter
ConfirmedCorrespondence
Adjuster assigned: M. Torres · Inspection scheduled: Apr 22
Prior claim history
Needs reviewClaims History
1 prior claim in 2021 — may affect current settlement
Issues needing review
→ Prior claim may affect settlement — 2021 claim history on file. Adjuster may request explanation — prepare documentation.
→ Window estimate timeline unclear — WindowPro quote valid only through April 30. Confirm submission before expiry. ($4,200)
→ Photos confirm visible roof damage — 14 damage photos catalogued and labeled by location. Ready to include in packet.
Missing documents
- Prior claim explanation — needed
- Prior claim explanation letter — adjuster may delay settlement without 2021 claim context
- WindowPro estimate valid through April 30 only — expired quote weakens window damage line item
Recommended next actions
Submit packet before adjuster inspection April 22
Submit packet before adjuster inspection April 22
Prepare prior claim explanation
Prepare prior claim explanation
Get third estimate if adjuster disputes amount
Get third estimate if adjuster disputes amount
Sample · Demo data — fictional homeowner claim. Not legal or insurance advice.