Methodology
What Is Claim Science?
The category definition: a structured discipline for evaluating major property claims with the information available today.
Bedrock Claim Science
The science behind better property-claim decisions.
Bedrock Claim Science develops the methodology, data systems and technology behind Bedrock Claim Score, helping property owners make sense of major losses before important decisions are made.
Illustrative: ranges, not exact figures
Based on information providedConfidence narrows as evidence grows
Preliminary claim picture
Why this matters
Major claims are too important to navigate in the dark.
A major property loss creates information from every direction: policy language, repair estimates, contents, temporary housing, inspections, payments, depreciation, deadlines and carrier communications. Bedrock Claim Science is building a structured way to bring those signals together so property owners can understand what matters and what should happen next.
The methodology
From scattered claim information to structured insight.
Our methodology is designed to organize the information already present in a claim, policy data, property information, loss details, photos, estimates, payments and claim-stage information, and convert it into understandable guidance.
| Input | What it helps us understand |
|---|---|
| Policy + declarations | Available coverage, limits and policy structure |
| Loss details | Cause, timing, occupancy and claim stage |
| Photos + damage evidence | Apparent severity and areas requiring more documentation |
| Carrier estimates + payments | Current carrier position and coverage utilization |
| Property data | Scale, construction characteristics and potential repair complexity |
| Claim history | How the claim is progressing and what information is still missing |
Consumer platform
Our first consumer platform: Bedrock Claim Score.
Bedrock Claim Score gives property owners a guided way to organize claim information, understand the scale of a major loss, and see the issues that may deserve closer attention. The experience can include a preliminary claim score, claim-value range, housing outlook, repair-timeline guidance, coverage insights and recommended next steps, based on the information available at that stage of the claim.
What a property owner may receive
- Preliminary Bedrock Claim Score
- Claim-value range and coverage context
- Housing and displacement outlook
- Repair-timeline guidance
- Recommended next steps
Our standard
Built for clarity, not false certainty.
Major claims contain unknowns. Hidden damage, code requirements, final measurements, specialty trades, policy conditions and future documentation can materially change the outcome. Bedrock Claim Science uses ranges, confidence indicators and transparent limitations rather than pretending a complex claim can always be reduced to one exact number.
Technology should organize judgment, not replace it.
Our systems use automation and AI to organize documents, extract data, identify missing information and surface patterns. High-value or complex conclusions can be validated by licensed professionals and claim specialists before they are relied upon operationally.
Limitations are part of the product.
Every assessment states what was reviewed, what was missing, and how those limitations affect confidence. A photo-based early estimate is never presented as equivalent to a full field scope.
Research
Building a better claims knowledge base.
As Bedrock processes more major losses, anonymized and appropriately governed claim data can support research into repair costs, displacement, contents, claim timelines, documentation patterns and other questions that matter to property owners and professionals.
Methodology
Why Major Claims Use Ranges, Not One Number
False precision is the enemy of good claim decisions. Here is why ranges are more credible, and more useful.
Documentation
What Makes a Claim File Strong?
The documentation patterns that tend to support clearer, faster claim resolution, and the gaps that slow claims down.
The Bedrock ecosystem
Three brands. Three jobs. One coherent family.
Bedrock Claim Score is powered by Bedrock Claim Science. Professional representation is provided by Bedrock Society Adjusters where available.
Research · methodology · technology
Bedrock Claim Science
Builds the methodology, data systems and intellectual property behind the ecosystem. You are here.
Consumer assessment platform
Bedrock Claim Score
The consumer-facing platform that turns claim information into clear, practical insight.
Licensed representation
Bedrock Society Adjusters
Licensed public-adjusting representation and claim handling, where offered and accepted.
Start here
Every major property claim deserves better information.
Know where your claim stands. Get your Bedrock Claim Score.