Review full claim packets with clarity and speed
Santora gives insurance carriers AI-assisted peer review for mitigation and restoration estimates, bringing supporting photos and documents into one workflow so human claim handlers can make faster, better-supported approval decisions.
Claim Packet Review
Claim #WM-2024-4892
Files Reviewed
4
Potential Savings
$3,420
Key Findings
Equipment sizing exceeds room SF
Dehumidifier count: 4 (expected: 2)
Drying days exceed threshold
5 days (carrier max: 3 days)
Supporting file changes cleaning scope
Scene photos support bio-cleaning containment and PPE review
AI-assisted peer review only. Final approval, payment, and coverage decisions stay with your claim team.
Restoration estimate review is a narrow problem with expensive consequences
Santora focuses on mitigation, mold, and restoration estimates where equipment, drying time, documentation, and billing decisions matter before payment.
Mitigation leakage hides in the details
Excess drying days, duplicate charges, unsupported equipment, labor overages, and non-standard line items are easy to miss at claim volume.
Documentation gaps slow decisions
Photos, moisture logs, psychrometric data, drying logs, and monitoring details often decide whether a charge should be paid, questioned, or routed for follow-up.
Scope judgment needs context
A fair review does more than cut. It also spots missing cleaning, PPE, substitutions, vendor math errors, and measurement issues.
Purpose-built for mitigation estimate peer review
Santora does not try to solve every insurance workflow. It helps claims teams decide what to approve, question, revise, or route for follow-up.
Peer Review Framework
Apply a structured review across intake, technical scope, billing, documentation, and final adjuster recommendation.
Equipment & Measurement Review
Check air movers, dehumidifiers, scrubbers, room dimensions, and vendor math against the loss conditions.
Drying Duration Support
Evaluate billed drying days against moisture readings, monitoring detail, drying logs, and documented conditions.
File-Ready Outputs
Return prioritized findings, support gaps, financial impact, and recommended adjuster next actions.
How Santora works
From uploaded claim packet to a structured AI-assisted peer review your adjusters can approve, edit, or reject.
Upload Claim Packet
Submit one or more PDFs, photos, and supporting claim documents together in a single review.
Extract Estimate + Support
Capture claim facts, line items, rooms, equipment, labor, and supporting documentation clues across every attachment.
Apply Standards and Rulebooks
Evaluate category, drying duration, equipment sizing, demolition, PPE, cleaning, substitutions, and support gaps against industry or carrier rules.
Return Next Actions
Receive a file-ready peer review with what to approve, question, request, revise, or send for follow-up before a human makes the final decision.
Adjuster-ready review reports
Each review is organized around prioritized findings, support gaps, financial-impact flags, and the next action an adjuster can take.
Clear Adjuster Action Path
Approve supportable items, request support, revise scope, or route the file for follow-up
Practical Exception Categories
Equipment, drying duration, labor, documentation, measurements, and billing issues
Defensible File Notes
Structured rationale for vendors, supervisors, QA, and internal claim notes
Review Report
Claim #WM-2024-4892
$3,420
Flagged Amount
7
Issues Found
94%
Confidence
Top Flagged Items
Review Summary
Drying duration and equipment charges require support from moisture logs and monitoring detail. Request documentation before revision or approval.
Built around how claim files actually move
The goal is not a generic summary. It is cleaner decisions, stronger file documentation, and repeatable peer review.
01
Prioritized Findings
High-dollar exceptions, unsupported scope, and documentation gaps rise to the top
02
Dollar-Impact Visibility
Reviewers can see where leakage may exist before payment decisions are made
03
Repeatable Logic
Carrier-calibrated review standards help teams handle similar files more consistently
04
Next-Step Guidance
Outputs tell adjusters what to request, revise, approve, or route for follow-up
Built for claims professionals
Santora is built for teams that handle mitigation, mold, and restoration estimate review.
Insurance Carriers
Standardize estimate review across your entire claims operation with consistent, defensible decisions.
Desk Adjusters
Get a cleaner action path for vendor questions, estimate revisions, follow-up handling, or payment decisions.
TPAs & Review Teams
Scale your review capacity without proportionally increasing headcount or training costs.
Vendor Oversight Leaders
Spot recurring exception categories across vendors, claim populations, and review teams.
Go deeper than the homepage
Use the pages below to dig into the workflows Santora supports and the review topics carrier teams ask about most.
Solution and use-case pages
These pages explain the claim-review workflows Santora is built for, from full mitigation packet review to carrier operations.
Core Solution
Mitigation Estimate Review Software
See how Santora helps carriers review mitigation, mold, and restoration claim packets before payment or escalation.
Use Case
Water Mitigation Estimate Review
Review drying plans, equipment counts, category and class support, and documentation sufficiency on water losses.
Use Case
Mold Remediation Estimate Review
Check containment, PPE, cleaning scope, demolition support, and documentation gaps on mold-related files.
Audience
For Insurance Carriers
Understand how Santora fits desk adjusters, QA teams, carrier rulebooks, and vendor oversight workflows.
Practical resources
Short guides for desk adjusters and review teams who need repeatable ways to inspect support, drying duration, and leakage risk.
Guide
How To Review Drying Days on a Mitigation Estimate
A practical framework for checking billed drying time against loss conditions, moisture support, and daily monitoring detail.
Checklist
Mitigation Estimate Documentation Checklist for Claim Review
Use this checklist to see whether a mitigation estimate is supported by the photos, logs, readings, and scope detail a reviewer expects.
Field Guide
Claim Leakage Checklist for Desk Adjusters Reviewing Mitigation Files
A concise list of the exception categories desk adjusters can scan before approving or revising mitigation and restoration estimates.
Bring clarity to mitigation estimate review
Talk through your review workflow, vendor oversight needs, and how AI-assisted peer review can support faster human approval without turning claim decisions into a black box.