Record first notice of loss, track adjuster assignments and reserves, log carrier correspondence, attach documents, and monitor payments — all from a full timeline view inside the client profile.
Open Claims
47
+3
Total Reserves
$1.2M
Avg. Days Open
34
-5
Closed This Month
12
+4
What it is
Insurance agencies don't adjust claims — carriers do. But agencies are the client's advocate, and when a client calls asking about a claim, the agency needs answers. Insurstein gives you a structured place to track every claim from first notice of loss through resolution. Record the date of loss, claimant details, and adjuster assignments. Track reserves and payments as they change over the life of the claim. Attach documents — police reports, photos, medical records — to the claim timeline. Log every carrier correspondence so the full story is always accessible. Claims history rolls up into the client profile and feeds loss run reports, giving producers the data they need for renewals and remarketing.
Every claim has a chronological timeline showing when the FNOL was filed, when the adjuster was assigned, when reserves were set or adjusted, when payments were made, and when the claim was closed. Documents and correspondence notes are woven into the timeline so the full narrative is visible in one scroll.
Claims aren't just about the current incident — they shape the client's loss history, which directly impacts renewal pricing and carrier appetite. Claims data in Insurstein feeds loss run summaries that producers reference during renewal marketing, giving them the complete picture when negotiating with underwriters.
Core capabilities
Capture FNOL details — date of loss, description, claimant information, and involved policy — in a structured record.
When a client reports a claim, the CSR or producer records the date of loss, a description of the incident, claimant details if applicable, and selects the involved policy. The claim record is created and linked to both the client profile and the policy, making it findable from either location.
Record the assigned adjuster's name, contact information, and carrier claim number for easy reference.
Once the carrier assigns an adjuster, the agency logs their name, phone number, email, and the carrier's claim reference number. This information is visible on the claim record so anyone on the team can contact the adjuster or reference the claim with the carrier without searching through emails.
Track reserves as they're set and adjusted, and log payments as they're issued, with running totals on every claim.
Reserves are recorded when initially set by the carrier and updated as they change over time. Payments — both indemnity and expense — are logged with dates and amounts. The claim record shows current reserves, total payments to date, and the overall financial picture of the claim at a glance.
Attach police reports, photos, medical records, and other documents directly to the claim timeline.
Documents are uploaded to the claim record and appear in the chronological timeline alongside status updates and correspondence notes. When reviewing a claim, users see the full story — what happened, what documents were gathered, what the carrier said — in a single scrollable view.
Log every interaction with the carrier — calls, emails, letters — as timestamped notes on the claim timeline.
When a producer or CSR speaks with the adjuster or receives a coverage determination letter, they log it to the claim timeline. These notes capture the substance of the conversation, any action items, and follow-up dates, creating a complete record of the agency-carrier dialogue.
Claims history rolls up into loss run summaries accessible from the client profile for renewal and remarketing.
Loss run reports compile the client's complete claims history — dates of loss, claim types, reserves, and payments — into a summary format that producers use during renewal marketing. Underwriters evaluating a submission can see the client's loss experience clearly, and producers can proactively address trends before they become objections.
What they don't do
When claim updates live in scattered email chains, finding the current status means searching through dozens of messages. A structured claim record with a chronological timeline replaces the email hunt entirely.
When a client calls about a claim and the agency has no centralized record, the producer has to dig through emails and call the adjuster before responding. With the claim timeline open, the answer is immediate.
Building a loss history summary from memory and old files before a renewal marketing meeting is time-consuming and error-prone. Claims data in the system generates loss runs automatically.
Adjuster names and phone numbers scribbled on sticky notes or buried in email signatures are impossible to find when you need them. Structured adjuster records keep contact details one click away.
When reserve changes aren't tracked, agencies are blindsided by large reserve increases that impact renewal pricing. Monitoring reserves over time gives producers early warning of deteriorating claims.
When claims data lives outside the client record, producers don't see the full picture during renewals. Claims integrated into the client profile ensure loss history is always considered during the renewal process.
What it takes off your plate
New claims are linked to both the client profile and the involved policy automatically, making them searchable from either location.
Every update — status changes, reserve adjustments, payments, documents, correspondence — is assembled into a chronological timeline on the claim record.
Running totals for reserves and payments are calculated automatically as new entries are logged, keeping the financial summary current at all times.
Documents attached to claims are organized within the claim timeline and also accessible from the client's documents tab for cross-reference.
Claims data is compiled into loss run summaries automatically, ready for producer review during renewal marketing.
A client's complete claims history is visible in their profile, giving producers instant context during any client interaction — not just at renewal time.
A day in the life
8:30 AM
A restaurant owner calls to report a customer slip-and-fall from last night. The CSR records the FNOL — date of loss, incident description, claimant details — and links it to the client's GL policy.
10:00 AM
The carrier emails the adjuster assignment with a claim number. The CSR logs the adjuster's name, phone, email, and claim reference number to the record. The initial reserve of $25,000 is noted.
1:00 PM
The client emails over the incident report and security camera screenshots. The CSR uploads them to the claim timeline, where they appear alongside the FNOL and adjuster assignment entries.
3:15 PM
The restaurant owner calls back asking for an update. The producer opens the claim timeline, sees the adjuster was assigned this morning, and provides the adjuster's direct phone number — all without putting the client on hold.
4:45 PM
A different client's GL policy renews in 60 days. The producer pulls up the loss run summary from the client profile — two claims in three years, both closed with minimal payments. This favorable history will support competitive renewal pricing.
Daily impact
Claims Logged
Documents Attached
Correspondence Notes
Claims Closed
Track claims from first notice of loss to close with full timelines, document attachments, and loss run reporting built into the client record.