Stop re-reading claim files just to verify the AI.
ClaimDraftPA™ analyzes the claim, independently challenges its findings against the available record, and gives you the evidence to make the final call.
Analyst finds it. Observer™ tests it. You decide.
One-time payment, no subscription. Every analysis includes the Analyst pass and independent Observer™ verification. License attestation required before checkout.
See how it works
Don't just get an AI finding. See what supports it.
- 01
Analyst
Identifies potential findings
- 02
Observer™
Challenges findings against the available record
- 03
Evidence
Shows what supports, contradicts, or requires review
- 04
Professional
Reviews the evidence and makes the decision
Finding #07
Scope Discrepancy
The evidence is organized. The judgment remains yours.
Sample data. Interface shown for illustration.
The Analyst finds it. Observer™ challenges it. You decide.
- Every finding is linked to its source location
- Observer™ assigns a verification status, not a confidence score
- Conflicts and missing documentation are surfaced, not hidden
- You accept, modify, reject, or investigate each finding
Independent Challenge
Observer™ doesn't simply repeat the first AI analysis. It challenges findings against the available claim record.
Evidence Traceability
See the evidence behind a finding so you can review the source instead of relying on an unsupported AI conclusion.
Professional Control
ClaimDraftPA™ assists the analysis. The professional reviews the evidence and makes the decision.
The general-AI question
Can't I just use Claude or ChatGPT?
Yes—for a first pass.
General-purpose AI can summarize documents, identify possible discrepancies, and help draft language. A skilled public adjuster can also prompt the model to reconsider its answer.
ClaimDraftPA™ is for what comes next.
It turns the claim review into a repeatable professional workflow: findings are separately challenged, traced to inspectable source locations, classified by verification status, and routed to the licensed PA to accept, modify, reject, or investigate.
You are not paying for access to an AI model. You are paying for a claim-specific analysis and verification process built around the PA's review.
Claude or GPT can produce an answer.
ClaimDraftPA™ helps you determine what in that answer is supported by the claim record.
General-purpose AI
- User creates and manages the prompts
- Produces conversational analysis
- May provide citations that require checking
- User manually initiates any critique
- Results remain inside a chat workflow
ClaimDraftPA™
- Uses a repeatable claim-specific process
- Structures each potential finding
- Runs a separate Observer™ challenge stage
- Connects findings to inspectable sources
- Classifies support, conflicts, gaps, and PA-review requirements
- Preserves Accept / Modify / Reject / Investigate decisions
How it works
Four steps from claim file to your decision.
Upload the Claim
Provide the available claim documents for analysis.
Analyst Reviews
The Analyst identifies potential issues and findings from the record.
Observer™ Challenges
Observer™ independently tests those findings against the available evidence.
You Decide
Review the finding, supporting evidence, challenges, and areas requiring professional review.
Tap graphic to enlarge
Built for the learning curve — and the workload.
Newer claim professionals
Develop a more structured approach to claim-file analysis.
- Follow a repeatable analysis workflow
- See how potential findings connect to evidence
- Learn where additional professional review may be needed
- Build familiarity with structured claim analysis
Experienced professionals & firms
Reclaim process time without giving up professional judgment.
- Reduce repetitive first-pass review work
- Organize potential findings and evidence
- Surface areas requiring closer professional attention
- Keep the final decision with the professional
Stop paying licensed hours to double-check a machine.
Every file moves through the same analysis, the same evidence trail, and the same independent challenge — so review time can go to the findings that need it. Actual time spent varies by file and by reviewer.
Questions about firm use? Contact usIn depth
How the verification architecture works, in detail.
Observer™
Observer™ verification
before your review.
Observer™ is a separate verification stage, not a confidence score. It takes the Analyst's findings and challenges each one against the underlying evidence: can the source be located, does it support the finding as stated, is the support sufficient, and does the question turn on professional judgment. Findings that don't survive that test are flagged as exceptions instead of being handed to you as conclusions.
Independent verification between machine analysis and professional judgment.
Exception-focused review
Your attention goes to findings Observer™ could not substantiate and findings routed for judgment — not to every line the Analyst produced.
Re-analysis prevention
Weakly supported, conflicting and judgment-dependent findings are identified before they trigger an investigation on your desk.
Inspectable, not assumed
Each finding carries its source, citation and verification status, so checking the basis is a glance rather than a re-read of the file.
Tap graphic to enlarge
Verification result states
Observer™ does not return another yes/no answer. It identifies the condition of the finding.
The available source material supports the finding and the verification checks passed.
Part of the finding is supported, but not the finding as fully stated.
The available source material does not sufficiently support the finding as stated.
Other material in the record may contradict or complicate the finding.
The available file does not contain enough material to evaluate the finding.
Evidence exists, but interpretation, context or judgment calls for the licensed PA.
The cited source could not be located or does not match the finding as stated.
These statuses reflect the outcome of the verification process based on the source material available. Observer does not guarantee accuracy and does not make coverage determinations.
What Observer™ challenges
Can the source be located?
A finding that can't be traced back to the file isn't ready for review.
Does the source support it?
The cited material has to actually back the finding as stated.
Is the support sufficient?
Thin or partial support is flagged rather than presented as settled.
Does the PA need to weigh in?
Anything turning on interpretation is routed to professional judgment.
Observer does not guarantee that a finding is correct and does not assign a probability of accuracy. Verification status communicates the result of the verification process based on the information available to the system. Observer supports professional review — it does not make coverage determinations, replace professional judgment, or author the licensed public adjuster's final claim position.
Traceability
See why the finding exists.
Every challenged finding should lead you back to the evidence. See the source behind the finding, examine the supporting material, and see conflicting material and missing documentation — the record is how the independent verification can be examined.
Finding
The issue surfaced in the claim file.
Source
The document the finding came from.
Citation
The specific section, page or line item.
Supporting Evidence
Reports, photographs and correspondence in the file.
Observer™ Status
The result of the independent verification pass.
PA Decision
Accept, modify, reject or investigate — your call.
The problem
The hidden cost of AI is re-analysis.
AI can save time on the first pass. But when a finding looks questionable, the PA may have to go back through the file, locate the source, verify the policy language, review supporting evidence, investigate conflicting material, and determine whether the conclusion actually holds up.
That is re-analysis. ClaimDraftPA™ is designed to reduce unnecessary re-analysis by independently challenging findings before the PA relies on them.
The finding looks plausible
A first-pass finding arrives with confident wording. Nothing on its face tells you whether the underlying source actually supports it as stated.
So you go back to the file
Estimate line items, declarations, endorsements, reports and photographs get reopened — not to build the claim position, but to test the machine's work.
That's the re-analysis loop
Time saved on the initial analysis is spent again on rework. The professional work becomes verifying the tool instead of adjudicating the claim.
The hidden cost of a first pass
AI surfaces a finding → the PA questions it → source documents are reopened → the issue is researched → the PA determines whether it is supported → the analysis is revised.
Observer™ is designed to interrupt that loop before it reaches you.
Without independent verification
- 01AI analysis
- 02Finding
- 03PA questions it
- 04PA reopens the file
- 05PA re-analyzes
- 06PA decides
With ClaimDraftPA™
- 01AI analysis
- 02Finding
- 03Observer™ independently challenges it
- 04Evidence / source / conflicts / missing documentation
- 05PA focused review
- 06PA decides
Designed to reduce unnecessary re-analysis
How ClaimDraftPA™ compares
Built to hold up, not just move fast.
Designed around two structurally separate stages: the Analyst surfaces potential findings, and Observer™ applies a distinct challenge process against the available claim record. Results are structured for professional review, negotiation preparation, and appraisal support — not just built fast.
| Feature | ClaimDraftPA™ | Claim Titan | Frontera |
|---|---|---|---|
| Estimate gap analysis | Yes — line-by-line discrepancy detection | Yes — AI compares two estimates for discrepancies | Yes — flags scope gaps, pricing differences, quantity mismatches |
| Policy coverage review | Yes | Yes — AI policy extraction | Yes — AI-powered coverage analysis |
| System architecture | Independent observer system — a structurally separate AI, not one model checking its own work | Single AI model | Single AI model |
| Validation / audit trail | Yes — downloadable Validation Report documenting what was checked and confirmed | Not published | Not published |
| Built for | Licensed public adjusters — defensibility in negotiation and appraisal | Public adjusters, estimators, insurance professionals | Public adjusters, restoration contractors |
| Pricing | $99/mo (individual), $499/mo (firm) | Not publicly listed | Free analysis tool; paid tiers not publicly listed |
Competitor information based on publicly available marketing materials as of September 2026. Features and pricing subject to change — verify directly with each provider.
Where ClaimDraftPA™ fits
Already have a claims system? Good.
ClaimDraftPA™ isn't designed to replace the system you use to manage clients, tasks and claim workflows. It is a specialized claim-intelligence and verification layer designed to help licensed public adjusters examine the claim itself.
Claims management systems
- Manage contacts
- Track claims
- Assign tasks
- Store documents
- Manage workflow
- Handle firm operations
ClaimDraftPA™
- Analyze the claim file
- Surface potential findings
- Connect findings to evidence
- Challenge findings through Observer™
- Identify conflicts and insufficient support
- Preserve the PA's professional decision
Manage the claim in your existing system.
Interrogate it in ClaimDraftPA™.
Complex claim analysis
Complex files deserve a systematic second look.
Policies, estimates, endorsements, reports, photographs and correspondence can contain hundreds of individual details. ClaimDraftPA™ brings the file together so potential findings can be traced back to their supporting evidence.
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Illustrative claim-analysis example. Actual document limits depend on the selected analysis and current platform limits.
Professional control
AI assists.
The PA decides.
ClaimDraftPA™ does not replace professional judgment. The licensed public adjuster remains responsible for determining what is correct, what is supportable, what requires additional investigation, and what ultimately belongs in the claim.
ClaimDraftPA™ is designed to make that determination better informed and less burdened by unnecessary re-analysis.
Tap graphic to enlarge
Accept. Modify. Reject. Investigate.
Your expertise remains the final decision layer.
PA-authored. PA-responsible.
ClaimDraftPA™ supports professional review. It does not replace it.
Claim documentation
Built to analyze carrier estimates against policy language and supporting claim documentation.
Commonly submitted estimate formats include Xactimate PDF exports. Carrier estimates frequently reviewed by public adjusters include:
Carrier names are referenced for identification only. ClaimDraftPA™ is not affiliated with, endorsed by, or sponsored by any insurance carrier.
Why I built ClaimDraftPA™
Built from a problem I encountered while learning the work.
I'm Eric, founder of ClaimDraftPA™.
The idea for ClaimDraftPA™ came while I was training in claims consulting and working toward entering the public adjusting profession.
I saw firsthand how steep the learning curve can be: understanding a claim file, connecting documents and evidence, recognizing what matters, and developing the judgment that experienced professionals build over years of working claims.
I started asking a simple question:
Could AI help shorten the path to competence without pretending to replace professional judgment?
That question became ClaimDraftPA™.
For someone newer to the profession, the goal is to provide a more structured way to analyze a claim and understand the evidence behind potential findings.
For experienced professionals, the opportunity is different: reclaim some of the process time spent reviewing, organizing, and double-checking information so more attention can go toward the decisions that actually require experience and judgment.
That's also why ClaimDraftPA™ doesn't stop at an AI-generated finding. The Analyst identifies potential issues. Observer™ independently challenges those findings against the claim record. The professional reviews the evidence and makes the decision.
AI assists. Evidence supports. The professional decides.
Eric
Founder, ClaimDraftPA™
Claims Consultant in Training
Data handling
What happens if I upload a real claim file?
Private, account-scoped storage
Uploaded files are stored in private storage with no public URLs. Access is isolated to your account, and download links are signed and short-lived.
Encrypted in transit
All data is transmitted over encrypted TLS connections. Authentication is required for all data access.
Remove PII before upload
Strip personally identifiable client information before uploading. You are responsible for ensuring client-identifying data is not submitted.
AI processing
Document text is sent to a commercial AI provider to produce your analysis. Under that provider's commercial terms, submitted content is not used to train its models.
Evidence you can inspect
Findings are linked back to their source locations, so you can check the record yourself rather than rely on the output.
Professional oversight
Every finding and every piece of generated correspondence must be reviewed and approved by the licensed adjuster before use on a claim.
Pricing
Priced against professional time, not tokens.
Every Claim Analysis includes both systems: ClaimDraftPA™ Analyst and independent Observer™ verification. There is no cheaper unverified tier — the independent observer system is the product. Every plan requires PA license attestation before checkout.
Every Claim Analysis requires a complete Analyst pass and a separate Observer™ challenge pass. Plans therefore include a defined number of verified analyses rather than unlimited AI usage. This keeps pricing transparent while ensuring that the verification step is included on every claim.
Start with one claim
See ClaimDraftPA™ work on an actual file.
Try it on one claim before deciding whether it belongs in your workflow.
No subscription required. Every Claim Analysis includes the ClaimDraftPA™ Analyst pass, independent Observer™ verification, evidence tracing, and the licensed-PA review workflow.
Standard · Most files start here
Up to 100 total pages
Complex
101–250 total pages
Extensive
251–500 total pages
Total pages means the combined page count of all documents submitted as part of that Claim Analysis. Pricing follows total document volume because larger claim files require substantially more analysis and verification processing. Files over 500 total pages are quoted individually — contact us and we'll size the file with you.
Every single-claim purchase includes
- ClaimDraftPA™ claim analysis
- Observer independent verification
- Evidence and citation tracing
- Findings workspace
- Licensed PA review workflow
- PA-authored final claim workflow
The next step
Analyze claims regularly? Choose a plan.
Solo, Pro, and Firm plans for professionals who already know ClaimDraftPA™ fits their workflow. Starting at $99/month.
PA Solo
For an individual licensed public adjuster running an active caseload.
- 1 licensed PA
- 8 Claim Analyses per month
- Observer verification included
- Full findings and evidence workflow
- PA review and authorship workflow
Additional Claim Analyses: $15 each
PA Pro
For adjusters carrying higher claim volume who want room to add a colleague.
- 1 licensed PA included
- 20 Claim Analyses per month
- Observer verification included
- Full analysis, evidence and verification workflow
Additional full PA seats: $39/user/month
Additional Claim Analyses: $15 each
PA Firm
For PA firms working claims as a team against a shared analysis pool.
- 5 licensed PA seats included
- 50 Claim Analyses per month
- Shared monthly analysis pool
- Observer verification included on every analysis
Additional licensed PA seats: $49/user/month
Additional Claim Analyses: $15 each
Additional seats do not increase the included Claim Analysis allowance.
Enterprise
Custom pricing for higher volume, larger teams, integrations, support and security requirements, or unusually large claim files.
Compare the effective cost
Subscriptions reduce the effective cost of each included Claim Analysis.
Solo
8 analyses / $99
≈ $12.38 per included analysis at full utilization
Pro
20 analyses / $199
≈ $9.95 per included analysis at full utilization
Firm
50 analyses / $499
≈ $9.98 per included analysis at full utilization
These figures assume the full monthly allowance is used. Actual usage varies, so they are not guaranteed savings.
At full monthly use, included analyses cost approximately $9.95–$12.38 each. The relevant comparison is not the price of an AI prompt—it is the licensed time required to reopen a file and independently verify a questionable analysis.
FAQ
How the independent observer system works.
Observer™ is not an add-on or a confidence score. It is a structurally separate verification layer built into ClaimDraftPA™ from the ground up.
Observer™ is a professional review aid. It does not provide legal advice, coverage opinions, or guaranteed outcomes. The licensed public adjuster remains responsible for all professional judgments and final claim communications.
Don't take our word for it. Test it on one claim.
Run one claim through the Analyst + Observer™ workflow and evaluate the findings, evidence, and verification process for yourself.
Analyst finds it. Observer™ tests it. You decide.
Prefer to try a demo first? Demo access is limited to licensed public adjusters and requires a signed license attestation; codes are issued automatically to the email you provide.