* Revenue figures are market-based estimates only and are not guarantees of income. Actual results will vary based on execution, market conditions, and individual effort. This is not financial or investment advice.
How the agent runs it
When a policyholder submits a claim dispute via web form, the orchestrator agent instantly assigns intake, damage documentation review, and carrier correspondence tasks to specialist agents. Each agent works its function in parallel — reviewing adjuster reports, pulling comparable repair estimates via Xactimate, drafting demand letters, and scheduling follow-up communications — with the CEO agent enforcing SLA timers and escalation rules. The business closes cases, collects contingency fees via Stripe, and generates new leads through automated referral outreach, all without human intervention except at legal signature and fund disbursement stages.
Who this is for
Ideal for a licensed public adjuster or former insurance claims professional who understands carrier tactics but wants to escape the grind of manual case management. This suits someone comfortable delegating operational execution to AI while retaining their license as the legal umbrella. A solo operator with 3–5 years of claims experience can run 80–120 active cases simultaneously that would otherwise require a 6-person team.
Market opportunity
The U.S. property insurance claims market processes over $100B in residential and commercial losses annually, with studies showing 70–80% of policyholders are underpaid on first-party claims. Post-disaster surges (hurricanes, wildfires, hail) create predictable demand spikes that an always-on autonomous bureau can capture faster than traditional firms. Rising carrier denial rates since 2022 and a wave of Florida and Texas legislation protecting policyholder rights have dramatically expanded the addressable market for supplemental claims recovery.
Boss agent: APEX (Autonomous PA Executive Orchestrator)
APEX monitors every active case file, enforces SLA deadlines for carrier response windows, assigns tasks to specialist agents based on case stage, and escalates to human review only when claim value or legal complexity exceeds defined thresholds.
- ■ No demand letter is dispatched without a completed Xactimate estimate attached and estimate-to-claim-payment gap exceeding 15%
- ■ All carrier communications must be logged with timestamp and carrier rep ID before the case advances to negotiation stage
- ■ Any case with carrier denial, appraisal demand, or litigation threat is immediately flagged to the human owner's notification queue and frozen from autonomous action
The agent team
Human touchpoints
// the only things that still need you
- 👤 Signing the authorization-to-represent and contingency fee agreement as the licensed public adjuster of record (legal requirement in all states)
- 👤 Approving settlement acceptance decisions when the carrier's counter-offer falls within 10% of the bureau's demand (strategic judgment call)
- 👤 Authorizing disbursement of recovered funds exceeding $25,000 from the trust account to the policyholder after fee deduction
- 👤 Responding to appraisal demands, litigation threats, or state insurance department complaints that require licensed professional attestation
Tech stack
Monetization
The bureau charges a 10–15% contingency fee on recovered claim supplements, collected automatically via Stripe Connect upon settlement confirmation. A $500 flat intake fee for complex commercial claims provides immediate cash flow while contingency cases mature.
Key risks
- → State-by-state public adjuster licensing requirements may restrict autonomous operations in unlicensed jurisdictions, forcing geographic gating logic
- → Carrier pushback or litigation escalation on large claims (>$250K) may exceed agent authority thresholds, triggering unexpected human escalation volume
Getting started
- 1 Secure or partner with a licensed public adjusterEither obtain a public adjuster license in your target state or establish a revenue-share agreement with a licensed PA who acts as the legal signatory. This is the single non-negotiable compliance prerequisite before any client work begins.
- 2 Configure Xactimate API access and scope templatesSign up for an Xactimate Online account and obtain API credentials. Pre-load the Estimate Agent with 15–20 scope-of-loss templates for the most common claim types (roof/hail, water intrusion, fire) so it can generate defensible repair estimates autonomously from day one.
- 3 Build the intake web form and Claude agent pipelineDeploy a Typeform or Jotform intake page collecting policy number, claim number, insurer name, loss date, and damage photos. Wire the submission webhook into the Claude Managed Agents orchestrator to immediately spawn the intake and document review agents.
- 4 Connect DocuSign and Stripe for autonomous closeSet up DocuSign templates for the contingency fee agreement and authorization-to-represent form so the Contracts Agent can dispatch them for e-signature within minutes of intake. Connect Stripe Connect to enable automatic fee collection upon settlement confirmation without manual invoicing.
- 5 Launch with a 10-case paid pilot via adjuster referralsSource the first 10 cases from roofing contractors, restoration companies, or public adjuster associations who regularly encounter underpaid clients. Run the full agent pipeline on these cases, measure recovery rates, and use results as proof-of-concept for scaled paid marketing.
// done for you
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