CASE FILE No 003

Every feature, explained plainly.

SUBJECT01

AdjusterOS Pro is a field-native claims management platform for independent adjusters and small CAT firms. It covers the entire workflow — from first notice of loss through EOB delivery — on a single flat subscription with no per-claim fees.

SECTION 02EXHIBITS A–H
A
EXH A

Field Operations

Built for the field first — zero-bar environments, gloved hands, and direct sunlight.

  • —Offline-first — full functionality at zero bars of cellular service
  • —OrderStamp-JS chain-of-custody — camera-written EXIF timestamp, SHA-256 fingerprint, device location and sequence locked at upload, with the server’s receipt time recorded beside them
  • —GPS coordinates recorded on every event and note
  • —High-contrast field mode for direct-sunlight legibility
  • —44px minimum touch targets for glove-compatible operation
  • —Background sync — queued changes push automatically on reconnect
Public Adjuster Playbook
B
EXH B

Document Intelligence

Ingest any document format and extract structured data automatically.

  • —PDF and image ingestion pipeline with OCR extraction
  • —Causal event timeline reconstructed from ingested documents
  • —Estimate builder with line items, quantities, and labor breakdown
  • —Claim tagging and categorization from document content
  • —Rebuttal generation keyed to specific denial language
  • —One-tap document sharing to client portal
Litigation Playbook
C
EXH C

Correspondence

Letters that read like you wrote them — because the platform learned how.

  • —ProofRead three-stage pipeline — perplexity reduction, variance calibration, tone match
  • —Rebuttal generation by denial type — factual, procedural, coverage, valuation
  • —Written from the file — every peril, dollar figure, citation and event in the letter is checked against your documents; anything unsupported is flagged before you send
  • —Law in the right lane — property-claim statutes and regulations looked up and cited for your state, never auto or health rules
  • —Tone calibration — attorney precision combined with direct-response persuasion
  • —Correspondence history per claim with version diffing
  • —One-click regeneration with different tone profiles
  • —Export to PDF with letterhead formatting
Public Adjuster Playbook
D
EXH D

Peer Partner

The carrier has a room full of people paid to find the hole in your claim. Now you find it first.

  • —It takes the carrier's side and defends the denial about as well as their best examiner would
  • —You set how hard it pushes, anywhere from a colleague reading over your shoulder to an examiner who wants you to go away
  • —Ask it how to present something and you get two or three ways to run it, the trade-off of each, and the one it would use
  • —It searches the live web for you — a carrier's claim-department number, an engineer or lab near the loss, a code or permit requirement, whether a shingle line is discontinued, what the storm did that day — and every fact comes back with its source
  • —It reads the whole policy, endorsements included, and quotes the clause instead of summarizing it
  • —It quotes your prior wins back at you, along with how this carrier has behaved before and what your state requires, cited
  • —The argument ends in one plan of action. You approve it, change it, or throw it out
  • —What you change is remembered, so the next one opens closer to what you would have written yourself
  • —Approve the plan and the Rebuttal Engine writes the letter straight from it
Public Adjuster Playbook
E
EXH E

Emerge Loop + The Secretary

Automation that earns its place — fires only at 80% confidence.

  • —Emerge Loop — active from Day 1 with an 80% behavioral confidence threshold before any rule fires
  • —80% behavioral confidence threshold required before a rule fires
  • —Morning briefings generated from your actual behavior patterns
  • —Task queue with priority scoring from historical completion data
  • —Pattern-surfaced suggestions from detection across claims
  • —Workflow automation adapts as your habits evolve
Restoration Playbook
F
EXH F

Client Relations

Clients stay informed without you lifting a finger.

  • —Branded self-service client portal — auto-provisioned per client
  • —E-sign with cryptographic audit trail and timestamp locking
  • —Automated EOB delivery — triggered without manual intervention
  • —Communication log organized by channel and date
  • —Call queue with callback priority scoring
  • —Secure token-based portal access — no client account required
Restoration Playbook
G
EXH G

Business Intelligence

Visibility into the patterns your manual review would miss.

  • —Pattern detection across your full claims history
  • —Predictive workload modeling from historical throughput
  • —Claim timeline analysis with causal event mapping
  • —Call queue metrics and resolution rate tracking
  • —Morning briefing with prioritized action items
  • —Behavioral insights that improve with every closed claim
Public Adjuster Playbook
H
EXH H

Security + Compliance

Enterprise-grade security on an independent adjuster budget.

  • —TLS 1.3 encryption in transit on every request
  • —AES-256 encryption at rest for all stored data
  • —Mozilla Observatory A+ on security headers — verify it yourself, see /security
  • —Stripe PCI-DSS Level 1 payment processing
  • —Row-level data isolation enforced in the database — your data is never co-mingled
  • —BYOK (Bring Your Own Key) — your inference key, your cost control
Litigation Playbook
I
EXH I

Security Architecture

Every layer of the stack is designed so your work product carries no platform fingerprints.

  • —OrderStamp-JS — EXIF DateTimeOriginal and a SHA-256 fingerprint taken on the device before upload; neither can be changed afterwards, by you or by us
  • —Anonymized Sovereignty — ProofRead pass removes all detectable generation patterns from output
  • —Zero platform fingerprints — no builder, vendor, or SaaS identifiers in any exported document
  • —Causal sequence ordering — events ordered by device-generated sequence number, not server clock
  • —Chain-of-custody declaration embedded in every Forensic Pack
  • —Property Asset Memory — fingerprinted address tracking with no external geocoding dependency
  • —On-premise inference key — all processing runs against your own credentials; no shared model access
  • —NOAA GHCND — weather verification from federal meteorological records, not third-party aggregators
Litigation Playbook
SECTION 03METHOD

Emergent, rather than configured.

The engineering approach is emergent rather than configured. Instead of asking you to define workflows before you understand what you need, the platform observes how you work over the first two weeks and begins automating the patterns it finds — only after reaching 80% confidence. You get automation that matches your actual practice, not a template.

The platform was designed for people who work in the field under real conditions: no signal, bright sun, gloved hands, and legal deadlines. Every feature is weighted toward those constraints first, desk use second.

FOUNDING RATE
$97 LIST

$7 for 30 days, then $49 a month.

The first 100 accounts keep that rate for as long as they stay.

  • —Unlimited claims and clients
  • —The Secretary — emergent workflow automation
  • —Offline-first — works at 0 bars of service
  • —Document intelligence pipeline
  • —Pattern detection and surfaced suggestions
  • —Morning briefings derived from your behavior
  • —Estimate builder with line items
  • —Causal event timeline per claim
  • —Branded client portal + e-sign
  • —BYOK inference cost control

TLS 1.3

Encrypted in transit

AES-256

Encrypted at rest

Row-Level Security

Tenant-isolated data

Stripe Payments

PCI-compliant checkout

OrderStamp-JS

Camera-written chain-of-custody

Anonymized Sovereignty

No platform fingerprints

$7 for 30 days, then $49/month at the founding rate

CASE FILE No 003 — CROSS-REF

See how it compares

Side-by-side breakdown against enterprise, mid-market, and field competitors across 8 capabilities.

View Comparison

Frequently Asked

Questions adjusters ask first.

What is the Peer Partner?

A second opinion that argues the carrier’s side on purpose. You put the claim in front of it, it takes a position and pushes back on yours, so the weak part of your file surfaces before the desk adjuster finds it. It reads the policy or denial letter you attach — all of it, endorsements included — and quotes the clause back to you.

Can it search the web for something that is not in my file?

Yes. A carrier or TPA claims number, a state DOI complaint route, a building code or permit requirement, a manufacturer spec, whether a shingle line is discontinued, what the storm did on that date. Every fact it takes off the web comes back with the source link, and it says so when it cannot confirm something rather than guessing. It will not do people-search: no home addresses, personal mobiles, or background checks.

Does it know state insurance law?

It looks statutes and regulations up rather than reciting them from memory — prompt-pay and proof-of-loss deadlines, bad-faith standards, licensing rules — and cites them the way you would cite them in a letter. Verify anything you are about to file; it is a research colleague, not counsel.

Will a rebuttal letter read like it came from a machine?

It is calibrated to your own writing and to the arguments that have already won for you, then run through a pass that strips the tells of generated prose. It answers what the carrier actually wrote in the denial, clause by clause, instead of filling in a template.

Does it learn from my claims?

Yes. What was approved, what was denied, the ground the carrier denied on, and which argument moved it — kept per carrier, and carried into the next claim. That memory is yours alone: no adjuster’s claims, documents, or letters are readable by another account.

How long a document can it read?

A policy or estimate with a text layer is read whole — hundreds of pages, endorsements and all. A scan or fax with no text at all is transcribed page by page up to 120 pages, in order, with the figures intact.