Insurance & AI

Built for insurance-restoration contractors

From date of loss to final collection. Claims, supplements, adjusters, deductibles, and depreciation in one place. Compare estimates and catch line items adjusters miss.

AI Estimate Comparison

Find every supplement the adjuster missed

Drop in the carrier PDF and your estimate. Skallix reads both, flags missing items and price gaps, then drafts the supplement letter with line items and totals.

Zero-retention contractAnthropic deletes the request from their logs once it completes. Your data never trains the model
Per-market pricingCatches under-priced labor and material lines specific to your metro
Missing-item detectionCode upgrades, secondary repairs, debris removal, dump fees
Supplement drafterOne-click PDF letter, carrier-friendly format, attaches photo proof

app.skallix.com/estimates/ai-compare

Skallix estimate comparison with 3 supplement opportunities, +$3,650 uplift

Sarah Mitchell, Dallas TX. +$3,650 in supplements.

Insurance workflow

From date of loss to final check, in one folder

Every claim is a child of a job, so the same data drives sales, production, AI comparison and collection. No re-keying between systems.

1. Insurance company & agent

Pre-loaded database of US carriers. Add agents, adjusters, multiple contact methods. Auto-attached to the claim on creation.

2. Claim & policy

Claim number, policy number, date of loss, peril (hail / wind / fire / hurricane), deductible, depreciation, recoverable depreciation.

3. Adjuster appointment

Schedule the inspection, attach pre-inspection photos, log adjuster notes, capture the adjuster's email for supplement submissions.

4. AI comparison

Upload the carrier estimate + your estimate. Get a line-by-line variance report and a draft supplement letter ready to send.

5. Supplement rounds

Track multiple supplement submissions per claim. Each round has its own letter, status, approved amount and approval date.

6. Collection

ACV cheque, deductible, supplement cheque, depreciation release, final cheque. Net profit calculated as cheques land.

Insurance finance

Know where every claim dollar is

Aggregate or per-market dashboards. Filter by carrier, claim type, date range. Catches stale claims (no movement in 30+ days) and flags them for the collections team.

$2.1M

Approved RCV YTD

$1.8M

Collected to date

$312K

Outstanding to collect

Data & AI privacy

Your estimates never train anyone's model

Skallix uses Anthropic's Claude Sonnet 4 under a zero-retention, no-training contract. Estimate documents and AI responses are deleted from the provider's logs once the request completes. Inside Skallix, claim data is encrypted at rest and in transit, isolated per market, and bound by a no-scraping covenant in our Terms of Service.

Zero-retention with AI providerAnthropic contractually deletes the prompt and response after the request completes
No training on customer dataYour estimates, photos and homeowner data are never used to train any model
Audit log per comparisonWho ran it, when, and on which claim. Written to the activity stream.
Optional AI-off modeDisable AI comparison company-wide if your insurance program requires it

Zero-retention · No training · Audit-logged