Walkthrough · Insurance

Follow one claim, from the first call to a payment

A storm claim at a fictional insurer, Northgate Mutual. Six screens, three people and two AI advocates. Scroll, and the screen follows the step.

Sample organisation: Northgate MutualPeople: handler, fraud investigator, claims lead, approverTime: first call to payment in two days

Step by step

01 · First call
Rhys rings about his roof.
The call is transcribed and the claim opens itself. HONESTAS checks the policy is in force, that storm is covered, and asks only for what is missing: photos and a quote.
Tom Bell, claims handler, checks the summary and sends the request.
honestas · claims · CLM-2026-4471Sample data
Claim 4471 · Storm damage to a roofCLM-2026-4471New
First callFactsChecksRoomDecisionSealed
From the call
Caller
Rhys Morgan
Policy
HOME-88214 · in force
Address
14 Ash Grove, Llanelli
Event
Storm Fionn · 9 Oct
Cover check
Section
Buildings, storm
Excess
EUR 500
Limit
EUR 450,000
Status
Covered, subject to facts
Still needed
Photos of the roof and inside ceiling, and a repairer's quote. Asked by text at 09:14.
The claim was opened from the call transcript. Nothing was decided.
02 · Facts
Every fact keeps its source.
The adjuster's report, nine photos, the quote and the weather data are read and filed. Where the 2023 survey and the adjuster disagree about the ridge, both are quoted in their own words.
Tom Bell reads the facts. Nothing is decided yet.
honestas · claims · CLM-2026-4471 · factsSample data
Claim 4471 · FactsCLM-2026-4471Facts filed
First callFactsChecksRoomDecisionSealed
What we know4 sources
Wind at the address peaked at 112 km/h on 9 October¹. Two rows of tiles and the ridge are missing on the south side². Water came through the bedroom ceiling³. The quote is EUR 18,740⁴.
1Met service, gust data, 9 OctAPI
2Adjuster report, p. 4PDF
3Photo 3 of 9, bedroomJPG
4Castell Roofing quotePDF
Where papers disagree
The survey from 2023 says the roof was re-covered. The adjuster thinks the ridge is older. Both are quoted.

03 · Checks

A signal points at the roofer.

The same roofer appears on twelve claims in six days. HONESTAS shows why that matters, says the weather fits every address, and suggests a second quote rather than a refusal.

Idris Kane, fraud investigator, asks for a second quote on the four largest.

honestas · fraud checks · link analysisSample data

Fraud signals · Castell Roofing2 signals

First callFactsChecksRoomDecisionSealed

Signal	Why it matters	Strength
One roofer, 12 claims	Twelve storm claims in six days quote the same roofer	Medium
Phone shared	Roofer's number appears on 2 other policies	Low
Weather fits	Gusts at all 12 addresses above 100 km/h	Clears

Suggested next step

Pay claims below EUR 5,000 as normal. Ask for a second quote on the four largest, including this one.

Open a decision roomAsk for a second quoteDismiss signal

Signals point. They never refuse a claim on their own.

Who sees this

Fraud team and the claims lead. The handler sees only "second quote requested".

How often right

This signal type, last year41% led to a finding

04 · Decision room
Two AI advocates. One person rules.
Because the claim is above EUR 15,000 and a signal is open, a decision room is convened. One AI argues for paying, one against. The second quote comes in lower.
Maria Okonjo, claims lead, chairs the room.
honestas · decision rooms · DR-0912Sample data
Decision room DR-0912CLM-2026-4471In session
First callFactsChecksRoomDecisionSealed
ChairMaria OkonjoClaims lead
AI · for payingCase forWeather, photos, cover
AI · againstCase againstRoofer pattern, ridge age
WitnessIdris KaneFraud investigator
Case for payingGust data and photos fit storm damage. The survey supports a recent roof.
Case againstThe ridge damage may be wear. The quote is 22% above the average for this roofer.
Maria OkonjoSecond quote came in at EUR 17,900. I am minded to pay on that, less wear on the ridge.
05 · Decision
Pay in part, with reasons.
Maria rules to pay on the second quote, less the worn part of the ridge. HONESTAS drafts the reason in plain words for Rhys. The four-eyes rule asks a second person to approve.
Maria Okonjo decides. Priya Raman approves the payment.
honestas · decision rooms · rulingSample data
Ruling · Claim 4471DR-0912Ready to seal
First callFactsChecksRoomDecisionSealed
Decision
Outcome
Pay in part
Amount
EUR 18,240.00
Basis
Second quote, less ridge wear
Excess
EUR 500 applied
Reasons for the customer
Your roof was damaged by Storm Fionn. We will pay for the tiles, the ceiling and the labour. Part of the ridge was worn before the storm, so we have not included it.
Seal and payChangeSend back
Payments over EUR 10,000 need a second person. Priya Raman is asked to approve.
06 · Sealed
Sealed, paid and explained.
The decision, the evidence, the AI that helped and the rules it answers are sealed into one record. Rhys gets the decision letter. The payment goes out.
Anyone with the passport link can check the record has not changed.
honestas · sealed records · R-88214-07Sample data
Sealed record R-88214-07CLM-2026-4471Sealed
First callFactsChecksRoomDecisionSealed
decided Pay in part · EUR 18,240.00 by Maria Okonjo · approved Priya Raman evidence 7 docs · 23 facts · 4 photos rules Policy 2026.3 · IDD Art. 17 time 2026-10-12 10:44:52 UTC
Sealed · witnessed outside Adverant · fingerprint 5e2b 3905 6541 6721
Send decision letterShare passport linkStart payment

honestas · claims · CLM-2026-4471Sample data

Claim 4471 · Storm damage to a roofCLM-2026-4471New

First callFactsChecksRoomDecisionSealed

From the call

Caller: Rhys Morgan
Policy: HOME-88214 · in force
Address: 14 Ash Grove, Llanelli
Event: Storm Fionn · 9 Oct

Cover check

Section: Buildings, storm
Excess: EUR 500
Limit: EUR 450,000
Status: Covered, subject to facts

Still needed

Photos of the roof and inside ceiling, and a repairer's quote. Asked by text at 09:14.

The claim was opened from the call transcript. Nothing was decided.

honestas · claims · CLM-2026-4471 · factsSample data

Claim 4471 · FactsCLM-2026-4471Facts filed

First callFactsChecksRoomDecisionSealed

What we know4 sources

Wind at the address peaked at 112 km/h on 9 October¹. Two rows of tiles and the ridge are missing on the south side². Water came through the bedroom ceiling³. The quote is EUR 18,740⁴.

1Met service, gust data, 9 OctAPI

2Adjuster report, p. 4PDF

3Photo 3 of 9, bedroomJPG

4Castell Roofing quotePDF

Where papers disagree

The survey from 2023 says the roof was re-covered. The adjuster thinks the ridge is older. Both are quoted.

honestas · fraud checks · link analysisSample data

Fraud signals · Castell Roofing2 signals

First callFactsChecksRoomDecisionSealed

Signal	Why it matters	Strength
One roofer, 12 claims	Twelve storm claims in six days quote the same roofer	Medium
Phone shared	Roofer's number appears on 2 other policies	Low
Weather fits	Gusts at all 12 addresses above 100 km/h	Clears

Suggested next step

Pay claims below EUR 5,000 as normal. Ask for a second quote on the four largest, including this one.

Open a decision roomAsk for a second quoteDismiss signal

Signals point. They never refuse a claim on their own.

Who sees this

Fraud team and the claims lead. The handler sees only "second quote requested".

How often right

This signal type, last year41% led to a finding

honestas · decision rooms · DR-0912Sample data

Decision room DR-0912CLM-2026-4471In session

First callFactsChecksRoomDecisionSealed

ChairMaria OkonjoClaims lead

AI · for payingCase forWeather, photos, cover

AI · againstCase againstRoofer pattern, ridge age

WitnessIdris KaneFraud investigator

Case for payingGust data and photos fit storm damage. The survey supports a recent roof.

Case againstThe ridge damage may be wear. The quote is 22% above the average for this roofer.

Maria OkonjoSecond quote came in at EUR 17,900. I am minded to pay on that, less wear on the ridge.

honestas · decision rooms · rulingSample data

Ruling · Claim 4471DR-0912Ready to seal

First callFactsChecksRoomDecisionSealed

Decision

Outcome: Pay in part
Amount: EUR 18,240.00
Basis: Second quote, less ridge wear
Excess: EUR 500 applied

Reasons for the customer

Your roof was damaged by Storm Fionn. We will pay for the tiles, the ceiling and the labour. Part of the ridge was worn before the storm, so we have not included it.

Seal and payChangeSend back

Payments over EUR 10,000 need a second person. Priya Raman is asked to approve.

honestas · sealed records · R-88214-07Sample data

Sealed record R-88214-07CLM-2026-4471Sealed

First callFactsChecksRoomDecisionSealed

decided Pay in part · EUR 18,240.00 by Maria Okonjo · approved Priya Raman evidence 7 docs · 23 facts · 4 photos rules Policy 2026.3 · IDD Art. 17 time 2026-10-12 10:44:52 UTC

Sealed · witnessed outside Adverant · fingerprint 5e2b 3905 6541 6721

Send decision letterShare passport linkStart payment

The record at the end

One record for the whole claim.

The claim ends with one sealed record: the decision, who made it, the evidence and the rules. A supervisor, auditor or reinsurer can check it without an account.

Change one word in a sealed record and the seal breaks. Try the seal check on the home page →

Claim decision · CLM-2026-4471Sample

record R-88214-07 claim CLM-2026-4471 · storm damage, roof decided Pay in part · EUR 18,240.00 decided by Maria Okonjo, claims lead room DR-0912 · 2 AI advocates, 1 chair evidence 7 documents · 23 facts · 4 photos rules Policy wording 2026.3 · IDD Art. 17 assisted by claims assistant, run 7731 time 2026-10-12 10:44:52 UTC

Sealed · time stamp witnessed outside Adverant

Who did what

The AI did the reading. People made the calls.

HONESTAS took the reading, filing, checking and drafting. Every judgement that changed what Rhys was paid was made, and signed, by a person.

What the AI did

Opened the claim from the call and checked cover
Read seven documents and filed 23 facts with sources
Quoted the two documents that disagreed
Found the roofer pattern and explained it
Argued for and against paying in the room
Drafted the reason for the customer

What people decided

Tom Bell asked for the photos and the quote
Idris Kane chose a second quote over an investigation
Maria Okonjo chaired the room and ruled
Priya Raman approved the payment
Nobody had to search for a document

Keep going

Book a briefing

Run one of your claims through HONESTAS.

Bring a claim type and a few anonymised files. We will walk it through, screen by screen, on your own rules.

Book a briefing The insurance pack

Follow one claim, from the first call to a payment

Step by step

Rhys rings about his roof.

Every fact keeps its source.

A signal points at the roofer.

Two AI advocates. One person rules.

Pay in part, with reasons.

Sealed, paid and explained.

One record for the whole claim.

The AI did the reading. People made the calls.

What the AI did

What people decided

Keep going

Run one of your claims through HONESTAS.