Follow the claim.
A property claim changes hands a dozen times between first notice of loss and final repair. Here is that journey, stage by stage, and how Verisk keeps every handoff on one system, working from one set of facts.
From loss to lessons learned
First notice of loss
The worst day of a policyholder's year shouldn't start with a phone queue. ClaimXperience opens a white-labeled, mobile-optimized channel the moment the claim exists: guided photo and video uploads, dynamic forms, and live video collaboration that lets a desk adjuster triage the loss remotely, often deciding on the spot whether anyone needs to travel at all. Image metadata analysis quietly flags possible fraud signals for review. And Respond has already sized the weather event behind the loss, from a routine hailstorm to a landfalling hurricane: damage forecasts and IBNR estimates before the first call comes in.
Assign & triage
The XactAnalysis Assignment Queue surfaces unassigned work the moment it lands and routes it: map-based workload balancing across staff adjusters, independents, and contractor networks, with bulk import for storm surges. Benchmark automatically validates that the reported date of loss matches an actual weather event, and XactAI condenses loss notes into an assignment summary the receiver can absorb in seconds.
Inspect & estimate
On site, Xactimate does the heavy lifting: Sketch captures the structure (walk the space with Sketch Scan and the floor plan draws itself), 3D cutaways expose what's behind walls, and XactScope automates roof and exterior scoping. XactAI recommends line items in plain language and labels photos automatically. Every price comes from data researched across 460+ localized markets. For personal property, XactContents matches items against millions of vendor-specific products, including 300,000 discontinued items, with depreciation built in. And when the contractor isn't on a carrier program, XactLink connects that estimate anyway: sent from Xactimate, received in XactAnalysis, with no PDFs and no re-keying.
Quality assure
Quality assurance shouldn't be an audit that arrives after the cheque clears. XactXpert runs your guidelines (organizational, state, and local) as real-time rules inside the estimate, alerting the estimator while the line item is still on screen. Downstream, XactAnalysis review queues automate re-inspection workflows and electronic audits that flag scoping issues, with performance scorecards tracking estimate quality over time. An analysis of nearly 10,000 claims shows what addressing these alerts early does to leakage and cycle time.
Collaborate & settle
While the work is decided and priced, ClaimXperience keeps the policyholder a participant instead of a bystander: additional living expenses captured from photographed receipts and calculated automatically, tasks and documents exchanged in one portal, and customer satisfaction measured in real time from FNOL to resolution, so a souring claim surfaces while there's still time to save it. Payment tracking in XactContents keeps recoverable depreciation and ACV payments straight through to the final dollar.
Restore & learn
Restoration is where promises get kept. XactRestore runs the job (pricing, timelines, crews, and field documentation synced back to the claim) while ContentsTrack maintains chain of custody for every packed-out item, tracked through cleaning, storage, and return. And when the claim closes, it starts paying forward: XactInsights turns the claim's data into live benchmarks (cycle times, estimate quality, KPI comparisons against the industry across 30+ measures) that answer plain-language questions without waiting on IT.
XactAI runs through every stage
Floor plans that draw themselves, line items suggested in plain language, receipts read automatically, claims data that answers questions. Not a separate platform: intelligence inside each step you just read.
XactGen generates the estimate
Guided capture and roofing line-item generation, reviewed and finalized by your team.
The scale behind the system
A network is only as useful as the industry on it. This one carries most of North American property claims.
One claim in the middle, everything connected.
Connected products exchange claim information through XactAnalysis and supported integrations, reducing duplicate entry across the workflow: a photo uploaded at first notice of loss can surface in an estimate and a review queue.
Where does your team fit?
Whether you send assignments, write estimates, or restore properties, start with the products built for your seat at the table.