Know the PA's number first
Property catastrophe and homeowners losses are a fight over peril verification, scope and pricing. Owl reads the FNOL, the photos, the drone scans, the public-adjuster estimate and the policy on intake, and matches them to NOAA peril data, prior aerial imagery, contractor sanctions and the ground truth.
+62%
Over Xactimate baseline
2024-04 NEXRAD
NOAA-confirmed hail at address
Nearmap 2023-09
Pre-DOL aerial shows prior wear
Three AI agents on a Property loss. Reading. Cross-referencing. Answering.
One loss: a 2024 hail event, a $69K PA estimate, an aerial photo from 2023.
Anonymized composite: homeowners hail claim filed 14 months post-DOL via assignment-of-benefits to a public adjuster, $69K demand against $42K Xactimate baseline.
External data only. None of this lives in your CMS. Owl gathered it from public records, professional networks, registries and the open web, then resolved it to this claimant.
NOAA NEXRAD Level III data confirms 1.25" hail at this address ±0.4mi on 2024-04-17 between 19:42-19:58 CDT. Storm Prediction Center storm report logged. Peril is verified and not contestable. Limits the defense to scope and pricing, not causation.
Nearmap aerial 2023-09 (7 months pre-DOL) shows existing granule loss on south and west slopes, flashing wear at 3 penetrations and gutter sag at the front elevation. PA estimate flags these same locations as DOL damage. Apportionment on roof line items: 35-45% pre-existing wear and tear (not covered).
ISO ClaimSearch returns 2 prior property claims at this address: 2021 hail ($18K, paid, roof patch + gutters), 2019 wind ($9K, paid, soft metals only). 2021 claim included roof partial-replacement on north slope. Apportionment + pre-existing depreciation supportable on south/west slopes; matching argument unavailable on north slope already replaced.
PA license #PA-TX-018xxx, 4 prior DOI complaints in last 36 months, 1 sustained for unauthorized practice in scope-writing. PA-affiliated contractor on file is on a watch-list for matching-doctrine inflation in 2 prior carrier disputes. License is current; engagement is enforceable but specials are pressure-testable.
Utility usage records (water, electric) show occupancy at this address paused 2024-08 through 2025-07. The claimant did not occupy 11 of 14 months between DOL and claim filing. Contents flooring claim presumes occupancy and use during this period; loss-of-use should be evaluated under §I.D additional-living-expense terms, not stacked into RCV contents.
Settle in the $42K-$48K band. Peril is confirmed (NOAA NEXRAD 1.25"). Defense is scope, not causation. Recommended initial reserve $42,400 against $69,200 PA demand. Floor $36K (Xactimate baseline less 35% pre-existing apportionment on south/west roof slopes per Nearmap 2023-09). Ceiling $48K (full Xactimate baseline + matching on north slope per 2021 prior claim). Deny the interior drywall line. There is no ensuing-loss trigger and no peril path to interior under HO-3 absent roof penetration documented. Deny contents flooring under occupancy/loss-of-use analysis. AOB tender requires sworn-proof attestation under TX §542A.003; confirm received before issuing payment. Pre-suit notice required under §542A.003 before bad-faith exposure attaches.
Matching unavailable on north slope; supportable on south/west. North slope was replaced in 2021 (prior-claim ISO match), so current materials are 4 years old, and matching to existing materials is the standard, not full replacement. South and west slopes are original 18-year-old materials with documented pre-DOL granule loss. Under TX matching jurisprudence, the carrier owes “reasonable efforts to match”: a partial replacement of the damaged squares with closest-available shingles is owed, but full replacement of the roof for matching purposes is not required absent unavailability of comparable materials. Recommended path: pay damaged squares on south/west slopes at Xactimate baseline less pre-existing depreciation (~35%); deny full-roof replacement claim and any north-slope work. Estimated payable on roof line: $15,800 against PA $28,400 demand.
What the world says about your Property claimants, none of which lives in your CMS.
Internal claim data is half the picture: it tells you what the claimant told you. OwlSignal continuously gathers external data (public records, professional and corporate registries, court dockets, social and open web) and matches it back to the claimant. These are the families that move the needle on Property.
NOAA NEXRAD Level III, Storm Prediction Center reports, USGS earthquake feeds, NWS wind events, NHC track data. Peril verification at the address ±0.4mi, never an opinion.
Nearmap, EagleView, NICB partner aerial, satellite providers. Pre-DOL imagery to compare against PA scope; post-DOL drone scans for geo-aligned measurement.
ISO ClaimSearch, internal claims registry by address, prior loss-runs. Surfaces the prior-claim and prior-payment record that drives apportionment and matching.
State DOI public-adjuster registries, contractor licensing boards, BBB complaints, pattern-detection on PA-contractor affiliations. Surfaces the sanction and pattern signal that compresses inflated specials.
Utility usage feeds, USPS NCOA, property tax homestead status, MLS listing status. Establishes occupancy and use that scope contents and loss-of-use claims.
Xactware pricing data, regional cost indices, post-CAT pricing graphs, materials-availability tracking. Anchors line-item analysis to ground-truth cost in the venue.
Numbers from P&C carriers running Owl on Property in production.
Built for the regulatory shape of Property.
Lives where your Property files live.
Claim systems
Guidewire ClaimCenter, Duck Creek, Origami, ServiceNow CSM, in-house
Estimating
Xactimate, Symbility, CoreLogic Xactware, Verisk
Aerial / drone
Nearmap, EagleView, DroneDeploy, Pictometry
Industry data
NOAA, NWS, NHC, ISO ClaimSearch, CLUE, LexisNexis
Document intake
Box, OnBase, Documentum, ImageRight, Kofax
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM provisioning
Bring us a closed Property file. We’ll show you the NEXRAD return, the pre-DOL aerial and the matching opportunity you missed.
Two-week pilot. Your records, your tenant, your aerial partners. We measure cycle time, peril verification, PA-variance compression and indemnity leakage against your own ground truth.