Build the claim from evidence — before the carrier defines it.

More than an estimate. The complete claim file.

A property claim is not one document. It develops over time.

Photographs are added. Damage is identified. Measurements improve. Contractor estimates arrive. Material prices are checked. The carrier issues its estimate. Payments are made. New evidence appears. Disagreements develop. Supplements are submitted.

PAi Claims keeps those developments connected inside one evolving claim record.

The AI does not build the factual record.

See how PAi Claims lets AI do the heavy analysis while traceable evidence controls what becomes fact.

PAi Claims uses AI heavily for the work AI is good at.

It can read documents, inspect photographs, identify possible damage, compare records, find missing information, generate provisional estimates, analyze disagreements, research, explain and draft.

An AI observation can begin a proposition. It cannot make that proposition true simply by saying it.

The application tracks the source, evidentiary status, independen support, contradictions and later evidence associated with importan claim statements.

AI can propose. Evidence establishes.

This is not a prompt telling AI to be careful.

PAi Claims does not depend on a system prompt asking a language model not to hallucinate.

The evidence controls exist in the application architecture.

AI-derived damage observations, quantities, prices, repair methods and other inferred information begin as provisional information.

The application — not the model — controls whether those propositions can advance.

Stronger independent evidence can strengthen a proposition. Conflicting evidence remains visible. Better evidence can supersede an earlier proposition without erasing its history.

Every part of the claim can stand on its own evidence.

PAi Claims does not treat an entire estimate as one giant fact.

A photograph may support the presence of roof damage. That does not automatically prove the exact quantity, cause, repair method, material selection, labor requirement or final cost.

Those can remain separate propositions with separate evidence.

A measurement can strengthen quantity without proving cause. A supplier price can strengthen material cost without proving tha the material is required. A paid invoice can establish an actual transaction without proving every unrelated fact in the claim.

Documents are checked, not merely read.

See exactly how PAi Claims ingests, reads and verifies claim evidence.

Insurance claims depend on documents being read correctly.

PAi Claims can extract text directly when a document contains usable text and use OCR when necessary.

Where readings disagree, the software can preserve the conflic instead of silently allowing AI to choose whichever value looks most likely.

An unresolved discrepancy remains unresolved.

Build an independent repair estimate.

PAi Claims includes its own property-repair estimating system.

The estimate can account for the supported costs required to restore the property.

• repair quantities
• materials
• labor
• equipment
• waste
• disposal
• permits
• taxes
• protection
• cleanup
• mobilization
• overhead and profit

Important numbers can retain the reason and basis behind them.

Regional material and labor pricing.

Repair costs are not the same everywhere.

PAi Claims uses regional Lowe's material pricing as a market reference for material costs.

Regional material-price differences can also be used as a percentage adjustment to help localize labor pricing.

When stronger local evidence becomes available — including supplier quotes, contractor pricing, invoices or completed-job information — the claim can become more precise.

Weak information can still produce a useful estimate.

A real claim cannot always wait until every fact is perfect.

PAi Claims can produce a provisional value when information is incomplete without disguising that value as stronger evidence.

The claim gets stronger as evidence arrives.

PAi Claims preserves the progression.

It does not need to erase what was first believed in order to recognize what later evidence established.

Compare the carrier after the claim is already built.

PAi Claims does not wait for the insurance company to establish the loss.

When the carrier estimate arrives, it remains a separate position and can be compared against the independently developed claim.

PAi Claims can expose differences in damage, scope, quantities, materials, labor, equipment, pricing, taxes, overhead and profit, omitted items and payments.

Payments do not rewrite the evidence.

A payment is an important claim event.

It is not proof of every fact that came before it.

PAi Claims can connect a payment to the relevant monetary proposition without automatically validating unrelated damage, causation, quantity or scope statements.

The entire claim has a history.

PAi Claims can preserve the difference between:

• what was first observed
• what was inferred
• what was later measured
• what a contractor quoted
• what a supplier priced
• what the carrier allowed
• what the carrier omitted
• what was invoiced
• what was actually paid

That history becomes especially important when a claim becomes disputed.

PAi Claims gets better with verified experience.

PAi Claims can accumulate useful verified information over time.

Regional material pricing, contractor pricing, labor observations, repair costs, invoices and actual outcomes can improve the starting point for future estimates.

But prior claims do not automatically become facts about a new loss.

Independent sources matter.

Repeated copies of the same information are not the same as independent corroboration.

PAi Claims tracks where evidence came from so repeated observations sharing the same underlying source do not automatically masquerade as multiple independent confirmations.

Find what the claim is missing.

PAi Claims can help expose gaps before they become larger problems.

• missing photographs
• incomplete measurements
• unsupported quantities
• weak pricing support
• missing invoices
• missing contractor evidence
• unresolved document discrepancies
• incomplete carrier records

Instead of hiding uncertainty, the claim can show where additional proof is needed.

AI analysis comes after the evidence structure.

Once the claim has been built, AI becomes extremely useful.

Legal support when the claim becomes a dispute.

Property claims can eventually become legal disputes.

PAi Claims is being expanded to connect disputed claim issues to PAi's indexed legal-research system while keeping legal authority separate from the physical facts of the loss.

The purpose is not to ask AI to invent law. The research system retrieves source material and relationships so analysis can work from actual authority.

From first evidence to final resolution.

PAi Claims is designed to remain useful throughout the life of the loss.

• initial loss documentation
• repair estimating
• scope development
• evidence organization
• supplements
• carrier comparisons
• missing-item analysis
• rebuttals
• claim correspondence
• demand preparation
• dispute analysis
• payment tracking
• final claim history

Who PAi Claims is for.

PAi Claims is designed for people who need to understand and suppor a property insurance claim rather than simply generate an estimate.

PAi Claims pricing.

Choose local AI or your own API during free setup. The only PAi paywall is creating a new claim. Existing claims remain available to open, work on, and export. View pricing and access for both programs.

PAi Claims is free to download and set up. Payment is requested when you click Start a Claim to create claims.

Build the claim before the carrier defines it.

PAi Claims does more than calculate repair costs.

It builds the evidence-backed record supporting why those costs belong in the claim.