Methodology
A structured way to understand a complex claim.
No two major property claims are identical. Bedrock Claim Science organizes the key information in a claim into a consistent analytical framework so property owners and professionals can see what is known, what remains uncertain, and what may require additional review.
What we consider
Major property claims contain hundreds of variables. Our framework brings the most decision-relevant ones together:
- Policy limits and applicable coverage categories
- Loss date, cause and claim stage
- Property characteristics and apparent damage severity
- Photo and document evidence
- Carrier estimates, payment history and correspondence
- Contents, temporary housing and displacement indicators
- Available contractor, engineer or specialty documentation
- Confidence level based on the completeness of the file
Outputs
What the system can produce
Each output is presented with its confidence level and the evidence behind it. We show enough to earn trust, the framework, the inputs, the limitations, without publishing proprietary scoring weights.
Inputs
Outputs
| Output | Purpose |
|---|---|
| Bedrock Claim Score | A plain-language indicator of how well the claim is documented and positioned at that moment |
| Claim Value Gauge | A preliminary range for the apparent scale of covered claim value |
| Coverage Map | Shows major coverage buckets and which appear relevant |
| Housing Outlook | Estimates likely displacement and ALE considerations |
| Repair Timeline | Provides a preliminary duration range and explains the major drivers |
| Coverage Risk | Flags apparent issues requiring closer review; not a guarantee of coverage |
| Recommended Next Steps | Tells the consumer what to preserve, upload, ask for or consider next |
Methodology principle
Ranges are more credible than false precision.
Confidence should narrow only as better evidence enters the claim. A preliminary result based on photos and a declarations page is presented as preliminary, and labeled that way, until the evidence supports greater certainty.
Limitations
What we state openly
Every result should state what was reviewed, what was missing, and how those limitations affect confidence. A photo-based early estimate should never be presented as equivalent to a full field scope. A preliminary Claim Value Gauge should be clearly labeled preliminary until the evidence supports greater certainty.
Bedrock Claim Science does not determine coverage, set repair costs, or guarantee insurance payment. Assessments are informational and depend on the completeness and accuracy of the information provided.