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.
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 dataClaim 4471 · Storm damage to a roofCLM-2026-4471NewFirst callFactsChecksRoomDecisionSealedFrom 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 neededPhotos 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 dataClaim 4471 · FactsCLM-2026-4471Facts filedFirst callFactsChecksRoomDecisionSealedWhat we know4 sourcesWind 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 OctAPI2Adjuster report, p. 4PDF3Photo 3 of 9, bedroomJPG4Castell Roofing quotePDFWhere papers disagreeThe 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 dataFraud signals · Castell Roofing2 signalsFirst callFactsChecksRoomDecisionSealedSignal Strength One roofer, 12 claims Medium Phone shared Low Weather fits Clears Suggested next stepPay 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 signalSignals point. They never refuse a claim on their own.
Who sees thisFraud team and the claims lead. The handler sees only "second quote requested".
How often rightThis 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 dataDecision room DR-0912CLM-2026-4471In sessionFirst callFactsChecksRoomDecisionSealedChairMaria OkonjoClaims leadAI · for payingCase forWeather, photos, coverAI · againstCase againstRoofer pattern, ridge ageWitnessIdris KaneFraud investigatorCase 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 dataRuling · Claim 4471DR-0912Ready to sealFirst callFactsChecksRoomDecisionSealedDecision- Outcome
- Pay in part
- Amount
- EUR 18,240.00
- Basis
- Second quote, less ridge wear
- Excess
- EUR 500 applied
Reasons for the customerYour 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 backPayments 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 dataSealed record R-88214-07CLM-2026-4471SealedFirst callFactsChecksRoomDecisionSealeddecided 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 UTCSealed · witnessed outside Adverant · fingerprint 5e2b 3905 6541 6721Send decision letterShare passport linkStart payment
- Caller
- Rhys Morgan
- Policy
- HOME-88214 · in force
- Address
- 14 Ash Grove, Llanelli
- Event
- Storm Fionn · 9 Oct
- Section
- Buildings, storm
- Excess
- EUR 500
- Limit
- EUR 450,000
- Status
- Covered, subject to facts
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.
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.
The survey from 2023 says the roof was re-covered. The adjuster thinks the ridge is older. Both are quoted.
| Signal | Strength |
|---|---|
| One roofer, 12 claims | Medium |
| Phone shared | Low |
| Weather fits | Clears |
Pay claims below EUR 5,000 as normal. Ask for a second quote on the four largest, including this one.
Signals point. They never refuse a claim on their own.
Fraud team and the claims lead. The handler sees only "second quote requested".
- Outcome
- Pay in part
- Amount
- EUR 18,240.00
- Basis
- Second quote, less ridge wear
- Excess
- EUR 500 applied
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.
Payments over EUR 10,000 need a second person. Priya Raman is asked to approve.
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-2026-4471SampleThe 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
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.