Denise's Thursday, two ways

Denise, a property claims adjuster at a regional insurer.

Denise starts Thursday with a water damage claim at a duplex on Rowan Street. The policy runs forty pages and the loss description is three lines. She pastes both into Claude and asks which sections, exclusions, and conditions apply. It is not a decision, but it points her to the mold exclusion and the two conditions she needs to confirm before she calls anyone.

Next she opens a twenty-minute recorded statement from the tenant and runs it through the interview prompt. She gets a summary she can drop into the file and two places where the tenant's account of when the water started does not match the neighbor's. She flags both instead of guessing.

The contractor's estimate from Brightline Restoration arrives at lunch. She asks for the line items and anything missing for a kitchen tear-out of that size. It catches a missing drying equipment charge and a cabinet line that no photo supports. She writes her first-pass damage description from the photos and edits it in five minutes.

By three o'clock she has a file summary, a timeline, and a reserve note drafted, and she sends the summary to her supervisor. The hour she would have spent rebuilding the file from notes goes to a call with the contractor and an early walk with her dog.