Claim Guardians
ClaimsCalQL8ter
Guided new-claim workflow
New Claim Workflow
Start with the claim basics, then tell the app what document or update you received first.
The user should not need to understand the accounting structure. They only need to know what item came in, and the app should help them process it into the customer summary correctly.
Step 1. Claim setup
Capture the minimum claim information needed to create the file. Optional details can be added now or filled in later.
Mortgage company involved?
Turn this on when a mortgage company is part of the payment path or holding funds.
Step 2. What did you receive first?
Start with the real-world item in front of you, not with a financial section. The live item interview comes next after the claim shell is created.
Selected intake path
Check
The app should suggest how to split the check without forcing the user to understand the money-flow system.
First action
Create the claim shell
Next step
Open guided claim workspace
Goal
Protect the customer summary
Ready to create the claim?
Save the claim shell first, then continue inside the guided claim workspace with the selected intake path.
Customer summary target
The guided intake should simplify entry, but the output still needs to read clearly for the customer.
Carrier Funds Applied
Built from checks entered later in the guided workflow.
Starts at $0.00
Amount Paid to Contractor / Vendor
Only changes when money is actually paid out to a vendor.
Starts at $0.00
Claim Guardians Fee
Defaults to the claim-level fee rule and updates when applicable items are added.
10% default rule
Recoverable Depreciation
Tracks future carrier money still expected from holdback or depreciation release.
Starts at $0.00
Estimated Homeowner Responsibility
Built from contract totals, credits, deductible, and fee logic after intake items are saved.
Calculated later
Needs Review
If the setup is incomplete, the user should still understand exactly what management follow-up would be needed.
Claim number is missing, so the claim file cannot be created yet.
Insured name is missing, so the claim file cannot be created yet.
Primary customer phone is missing, so the claim file cannot be created yet.
Date of loss is still missing. The claim can still be created if needed, but this should be filled in soon.
Property address is missing, so the claim file cannot be created yet.
Urgency guide
This is the management review timeline standard we are carrying into the new workflow.