Complete claims contractor AI automation — one platform, every department, deployed in 60 days. Maintained by our team — not yours.
An AI voice agent and AI receptionist for roofing companies and restoration contractors. Answers every inbound call 24/7, qualifies storm damage leads, books inspections, and routes live transfers. Custom-scripted for your business.
Always onReal-time view of every open claim — ACV paid, RCV holdback owed, supplement status, days outstanding. Pulled live from QuickBooks. No data entry.
Financial clarityEvery document dropped in your Google Drive intake folder is read, identified, and filed automatically. COCs, AOBs, moisture logs, carrier PDFs — sorted without anyone touching them.
AI-poweredScans every job file before close-out. Flags missing AOBs, COCs, moisture logs, lien waivers, and photos before they kill your supplement or create legal exposure.
Risk protectionHomeowner milestone updates, carrier follow-up sequences, cold lead nurturing, storm campaign drips, review requests, and monthly newsletters — all automated.
Always running30/60/90-day projections from open receivables. Monthly P&L narrative in plain English generated automatically from your QuickBooks data. Finally know what's coming in.
Financial intelligenceCompares every approved carrier estimate against your final invoice. Flags every missed line item before you bill. Stop leaving approved money behind on every job.
Revenue recoveryTracks every job's depreciation holdback and fires a release request to the carrier at the exact right milestone. No holdback goes uncollected because someone forgot to ask.
Never miss a paymentXactimate supplement automation — every open supplement tracked in one dashboard (pending, approved, denied, resubmitted). Carrier follow-up fires automatically. Pairs directly with the Supplement Service.
Pairs with supplement serviceWhen a contract is signed, a full milestone timeline generates automatically. When a job is scheduled, the work order fires to your sub immediately. No PMs required.
Operations automationChecks insurance and license expiration for every sub before dispatch. Blocks uninsured subs automatically. Sends renewal reminders before certs expire.
Liability protectionAt the right job milestone, lien waiver documents are automatically routed to the relevant parties for e-signature via DocuSign. No chasing subs for signatures before final payment.
Payment protectionReads insurance estimate PDFs automatically. Extracts RCV, ACV, adjuster contact, and line items directly into your job record. Zero manual data entry on every new claim.
Zero data entryMonitors forecasts for every scheduled job. Flags weather conflicts before the crew shows up. Keeps your schedule clean without your office manager checking weather for every job.
Scheduling intelligenceLayer these onto the base platform as your business needs them. All fully managed by our team.
Detects hail events in your service area and automatically fires outbound SMS and email campaigns to past customers — before you wake up. Generates a prioritized canvassing address list for your sales team.
AI screens job applications, schedules interviews automatically, and collects W9s, direct deposit, and certifications via DocuSign. Crew certs tracked with expiration alerts — no expired cert ever gets dispatched.
Google reviews monitored with AI-drafted responses. Monthly newsletters sent automatically to past customers. Referral tracking with automated reward outreach. Your reputation managed without lifting a finger.
A complete reference for every module in the platform — what it does, how it works, and why it matters for roofing and restoration contractors running insurance claims.
The Chosen Local financial intelligence module gives claims contractors real-time visibility into every dollar their insurance carriers owe them. The platform connects directly to QuickBooks Online via read-only API and pulls payment data automatically — no manual entry, no spreadsheets, no end-of-month surprises. Every open claim, every ACV payment received, every RCV holdback outstanding, and every pending supplement is visible in a single dashboard built specifically for the claims contracting workflow.
One of the most expensive problems in claims contracting is the ACV holdback — money that insurance carriers have approved and are legally required to release once work is complete, but that contractors consistently fail to collect because they forget to ask. The Chosen Local holdback tracker records every depreciation holdback on every job the moment the initial ACV check is received. When a certificate of completion is filed, the platform automatically sends a holdback release request to the carrier. Average uncollected holdbacks across our contractor base range from $40,000 to $80,000 at any given time (based on Chosen Local analysis of contractor receivables) — all money that was earned and approved but simply never demanded.
The platform generates rolling 30, 60, and 90-day cash flow projections by combining open receivables from QuickBooks with milestone dates from active jobs and booked inspection schedules. Contractors see exactly what is expected to come in and when — broken down by carrier, by job, and by payment type. This replaces the guesswork that causes cash flow crises in restoration businesses between large carrier payments.
Every month, the platform reads the contractor's QuickBooks data and generates a plain-English financial summary using the Claude AI. The narrative covers revenue by category — roofing claims, restoration, supplement recoveries — gross margin trends, expense flags, labor cost analysis, and a 30-day forecast. Most claims contractors have never had a financial advisor explain their monthly numbers. This feature delivers that automatically, every month, without hiring a bookkeeper or accountant.
The platform automatically compares every approved carrier estimate against the contractor's final invoice before it is sent. Any line item that appears in the approved estimate but is missing from the invoice is flagged before billing. This prevents contractors from accidentally leaving approved money behind — a common problem when billing is handled by admin staff who are not familiar with the insurance estimate details.
The Chosen Local AI voice agent is a 24/7 inbound call handler built specifically for roofing companies and restoration contractors. It answers every call regardless of time, volume, or how many lines ring simultaneously. During a major storm event, when a contractor's phone receives dozens of calls in a single morning, the AI answers every single one — qualifying leads, booking inspections directly into the contractor's Google Calendar, and routing urgent situations to a live person. The average claims contractor misses 30 to 50 percent of inbound calls during peak storm season (Chosen Local observation; home service research shows 90% of consumers use smartphones for searches — Comrade Digital Marketing, 2024). Every missed call is a job that goes to a competitor.
The AI voice agent is trained on the contractor's specific services, service area, and business hours before going live. When a homeowner calls after a storm, the agent asks about the property address, type of damage, whether insurance is involved, and the homeowner's preferred inspection time. If the property is in the service area, the agent books the inspection directly into Google Calendar with the homeowner's contact details, address, and damage description already filled in. A confirmation SMS goes to the homeowner automatically before the call ends. The contractor wakes up to a full inspection schedule without lifting a phone.
For situations that require immediate human attention — active water intrusion, emergency roof damage with interior exposure, or homeowners in distress — the AI agent detects the urgency and routes a live transfer to the contractor within twenty seconds. The transfer includes a brief summary of the caller and situation so the contractor is briefed before picking up. No urgent jobs fall through the cracks.
Every call is transcribed in full, classified by outcome — booked inspection, information request, outside service area, callback requested, or wrong number — and logged in the platform with sentiment analysis and a structured summary. Contractors can review every call in the dashboard, search by outcome type, and identify patterns in lead quality by geographic area or time of day. The AI voice agent serves as an AI receptionist for restoration contractors of all types, handling water damage, fire damage, mold remediation, and contents restoration inquiries with equal fluency.
During a named storm event, inbound call volume for roofing and restoration contractors can increase three to five times above normal levels within hours (storm-event contractor data). The AI agent scales to handle any volume with no performance degradation. There are no hold times, no voicemail boxes that fill up, and no leads lost because lines were busy. For contractors in storm-corridor markets like Texas, Oklahoma, Colorado, Ohio, and Tennessee, this capability alone typically generates a positive ROI on the platform within the first major weather event.
Claims contractors receive a constant flow of documents from carriers, homeowners, subcontractors, and local authorities — insurance estimate PDFs, certificates of completion, assignments of benefits, moisture logs, lien waivers, photo sets, and more. The Chosen Local document intelligence module monitors a designated Google Drive intake folder in real time. Any file dropped into that folder is automatically read, classified, and filed to the correct job folder — without any human interaction.
When a carrier estimate PDF arrives — from Allstate, State Farm, USAA, Travelers, Liberty Mutual, or any other carrier — the AI reads it using optical character recognition and extracts ten structured data fields automatically: carrier name, claim number, ACV approved, RCV total, depreciation holdback, adjuster name, adjuster phone number, date of loss, policy number, and revision number. These fields are written directly to the job record in the platform without any manual data entry. The same document that used to take ten minutes to open, read, and type into a spreadsheet now takes under five seconds and requires no human attention at all.
The platform classifies every incoming document by type — carrier estimate, COC, AOB, moisture log, photo set, lien waiver, permit, sub invoice, or supplement — and files it to the correct subfolder within the corresponding job's Google Drive directory automatically. Photo sets are organized into subfolders by category — exterior, roof, interior, and before/after — without any manual sorting. Documents that cannot be classified with high confidence are flagged for review rather than silently misfiled.
Before any job can be closed, the platform runs a compliance audit against a checklist of required documents specific to each job type — roofing, water restoration, fire restoration, or mold remediation. Missing documents are surfaced in the dashboard and on the job detail view with a clear indication of what is absent and why it matters. A missing assignment of benefits can void a supplement. A missing certificate of completion delays the RCV holdback release. A missing lien waiver creates legal exposure. The compliance auditor catches these gaps before they become expensive problems.
The job management module automates the operational backbone of a claims contracting business — milestone scheduling, work order dispatch, weather monitoring, subcontractor compliance, lien waiver routing, and supplement tracking. Every operational workflow that currently requires a project manager, an office coordinator, or a principal spending time on administrative work is handled by the platform automatically based on rules defined during setup.
When a contract is signed via DocuSign, the platform automatically generates a complete milestone timeline for the job based on the job type and scope. A roofing replacement gets a timeline with milestones for permit application, material delivery, tear-off and installation, inspection, and COC. A water restoration job gets milestones for dry-out, demo, framing, drywall, paint, and flooring. Each milestone has a scheduled date, assigned trade, and downstream trigger. When a milestone is marked complete, the next step fires automatically — the work order goes to the sub, the homeowner gets an update, the document checklist updates, and the financial tracker advances.
Work orders are generated and dispatched to the assigned subcontractor automatically when a job phase is scheduled. The work order includes the job address, scope of work, scheduled date, homeowner contact information, and any special instructions specific to the job. Dispatch happens via email and SMS simultaneously. The sub receives everything they need without the contractor making a single phone call or sending a manual message.
The platform monitors the weather forecast for every job's address every day using the Tomorrow.io weather API. When a significant rain, wind, or freeze event is forecast on a day when exterior work is scheduled, the system flags the conflict in the dashboard, notifies the assigned sub, and — depending on the contractor's configuration — either suggests rescheduling options or automatically moves the job to the next available weather-safe window. Contractors no longer have subs showing up to job sites they cannot work on because nobody checked the forecast.
Every subcontractor in the platform has their general liability certificate, workers' compensation certificate, contractor's license, and any trade-specific certifications tracked with expiration dates. The platform checks each sub's compliance status before dispatching a work order. If a certificate has expired, the work order is blocked and the sub receives an automated notification to submit their current documentation. Certificate renewal reminders go out automatically thirty days before expiration. No contractor using the platform dispatches work to an uninsured or unlicensed subcontractor.
Lien waiver routing is triggered automatically at the appropriate job milestone based on the contractor's state and lien laws. Conditional lien waivers route to the sub before payment is issued. Unconditional lien waivers route after payment clears. All documents route through DocuSign and signature status is tracked in the job record. Missing lien waivers before final payment are flagged automatically. Contractors who previously chased subs for weeks to get waivers signed now receive completed documents before final payment deadlines without any manual follow-up.
The communication automation module handles every outbound message the contractor needs to send — to homeowners, to carriers, to cold leads, and to past customers — without any manual effort. Every message is triggered by a business event: a job reaching a new milestone, a supplement staying unanswered for seven days, a job closing, or a storm hitting the contractor's market. The contractor's brand appears in every message; the platform operates silently in the background.
When a job reaches a new milestone — contract signed, permit pulled, materials delivered, work started, inspection scheduled, work completed, certificate filed — the homeowner receives a personalized SMS and email update automatically. The message includes the job address, the milestone description, the next step, the contractor's contact information, and a reminder that replies go directly to the contractor's team. Homeowners who receive regular updates are significantly less likely to create disputes, leave negative reviews, or complain about communication. This sequence runs on every job without anyone on the contractor's team lifting a finger.
When a supplement is submitted to a carrier and no response is received within seven business days, the platform fires an automated follow-up email to the adjuster. If no response is received within fourteen days, a second follow-up goes out with a stronger tone. At twenty-one days, the sequence escalates to the adjuster's supervisor. Every follow-up is professionally worded, references the correct claim number and submission date, and includes a full re-attachment of the supplement documentation. Carriers respond faster when they know follow-up is systematic and persistent. The same sequence runs on RCV holdback release requests after job completion.
When a homeowner receives an inspection but does not sign a contract within forty-eight hours, they enter a five-step nurture sequence that runs over thirty days. Each message is timed and worded to re-engage the lead without being aggressive. The sequence references the inspection, reminds the homeowner of their claim deadline, addresses common objections, and ends with a clear call to action. Contractors typically lose forty to sixty percent of inspections that do not convert immediately. This sequence recovers a meaningful portion of those lost jobs automatically.
Three days after a job is marked complete, the platform sends a personalized review request SMS and email to the homeowner with a direct link to the contractor's Google Business Profile review page. If the homeowner has not left a review after seven days, a gentle follow-up message goes out. After fourteen days, a final message closes the sequence. The platform generates an average fifty-two percent click-through rate on review requests — significantly higher than manually sent requests because the timing is optimized to the moment when homeowner satisfaction is highest.
The storm trigger engine is an add-on module that monitors hail and wind event data for the contractor's service area in real time using Tomorrow.io weather intelligence. When a qualifying storm event is detected — defined by the contractor's minimum hail size and wind speed thresholds — the platform fires automatically within minutes of event confirmation, before most contractors have opened their phones.
The storm response includes three simultaneous outputs: an outbound SMS and email campaign sent to every past customer whose address falls within the affected zip codes, a prioritized canvassing address list sorted by estimated damage probability based on storm path data, and a digital door-knock script customized to the storm event. Contractors who activate the storm trigger engine are typically the first business to reach affected homeowners — a significant competitive advantage in storm-driven markets. The system operates entirely automatically; the contractor's first awareness of a storm is often a notification that the campaign has already launched and inspections are being booked.
Platform clients who also use the Chosen Local managed Xactimate supplement writing service have their supplement workflow integrated directly into the job management module. When a job is flagged for supplementing — either automatically based on job type or manually by the contractor — the supplement request routes to the Chosen Local specialist team along with the carrier estimate PDF and photo documentation. Supplement status is tracked in real time within the platform: submitted, under review, returned for revisions, approved, or denied and resubmitted.
When the carrier approves a supplement, the approved amount is automatically added to the job's financial record and the payment tracker updates the ACV and RCV figures for that claim. Carrier follow-up for unanswered supplements is handled by the communication automation module as described above. The entire supplement lifecycle — from identification through approval through holdback release — is tracked in a single unified view without any data being manually transferred between systems.
The scheduling module provides a Gantt chart view of all active jobs across a rolling fourteen-day window, with color-coded phase bars by job type and a live weather forecast overlay directly on the timeline. Scheduling conflicts with rain or extreme temperatures are visible at a glance. The same data powers a unified calendar view showing all event types in a single interface — scheduled work days, AI-booked inspections, permit deadlines, COI expirations, supplement follow-up dates, and lien waiver deadlines — color-coded by type so the contractor sees the entire operational week without switching between screens.
The crew timesheet feature allows crew members to clock in and out via a mobile interface tied to specific jobs. Hours are logged per employee per job, overtime is flagged automatically when it occurs, and weekly timesheet summaries are generated for payroll. Because every hour is tied to a specific job, the platform can calculate true job-level labor cost and compare it against the carrier's approved labor estimate — giving contractors visibility into which job types and which crews are actually profitable and which are not.
We'll walk you through every feature, show you how it maps to your business, and give you a clear picture of what deployment looks like for your specific situation.
Internal data note: Statistics labeled "Chosen Local data" or "Chosen Local analysis" are based on Chosen Local's observations across client engagements and supplement service submissions and are not independently verified by a third party. Statistics labeled "industry estimate" reflect commonly cited figures in the roofing and insurance claims industry without a single definitive primary source.
