The Lab
Field Note3 min read

CAT season is a staffing problem wearing a weather costume

When a catastrophe hits, claim volume spikes 5–20x overnight. Adjuster headcount doesn't. So the bottleneck isn't inspection — it's documentation: turning thousands of photo sets into defensible reports fast enough to keep cycle time and customer trust intact.

The math nobody likes

If a thorough damage report takes 60–90 minutes to write, a 5,000-claim surge is 5,000–7,500 hours of writing. You can't hire that in a week, and overtime degrades quality exactly when scrutiny is highest.

Where AI actually helps

The win isn't replacing the adjuster's judgment — it's removing the typing. When the first draft of the inspection, damage, and scope reports is generated from the photos automatically, your people spend their hours on the calls, the negotiations, and the edge cases. Documentation scales with compute, not with the night shift.

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