The idea

“Independent insurance adjusters (IAs) are 1099 contractors who handle claims for multiple carriers simultaneously. They are paid per closed claim — typically $300–600 per file. Every hour spent writing the narrative summary report that closes a claim is an hour they're not opening new ones. The average IA writes 8–12 of these reports per week, spending 45–90 minutes each. That's up to 18 hours a week on documentation for someone whose income scales directly with volume. The report format is dictated by each carrier and is formulaic: coverage verification, liability analysis, damages summary, reserve recommendation, coverage position. The inputs — field notes, photos, recorded statements, repair estimates — already exist in digital form. The output is a structured Word document uploaded to the carrier's portal. We turn those inputs into a carrier-formatted draft in under 4 minutes. The IA reviews, edits, signs. No carrier approval required, no IT integration, no enterprise sales cycle. The IA uploads the same file they always upload. We never touch the carrier's systems. Buyer is the IA directly. $79/month. No approval chain. They expense it against their 1099 income as a business tool. At 10 extra claims closed per month — conservative given 18 hours recovered — payback is immediate. Distribution: 3 Facebook groups (Independent Adjusters Professionals, Storm Adjusters Network, Daily Claims) total 47,000 members who actively discuss productivity tools. No conference budget needed. These are people already complaining about report writing in public. No AI company is targeting IAs because the market looks small. 150,000 active IAs in the US is not small — it's just unglamorous. The carriers they serve have no incentive to build this for them. The enterprise claims platforms (Xactimate, Symbility) are sold to carriers, not adjusters. The IA is structurally orphaned from the tools budget.”