Skip to main content
LossIntel Inc. — Seed Round Q2 2026 · Confidential

AI-Powered Claims Intelligence.
$1.06T Market. First AI-Native Claimant Platform.

Initiating conversations with select institutional partners. LossIntel Inc. is the parent company operating two AI-native brands: ClaimRestored.com (consumer claims advocacy) and LossIntel.ai (B2B SaaS for licensed public adjusters). Both brands run on a shared 10-agent pipeline and proprietary Claims Knowledge Graph — 100,000+ FL DFS Civil Remedy Notice records no competitor has. Operating within the $1.06 trillion U.S. P&C insurance market — targeting FL disputed claims worth $3B+/year. Four structural tailwinds are converging now.

Review the Deal Request Data Room
$1.06T
U.S. P&C premiums — total addressable market
AM Best / S&P Global 2024
27x
Founder recovered $623,435 to date — carrier offered $23,266
Insurance + FEMA + SBA · Three 2024 FL hurricanes · Founder use case
$5.52M
Year 3 revenue projection across 4 channels
Planning model — see Financials section
100,000+
FL DFS Civil Remedy Notice records — proprietary CRN dataset
No PA firm or insuretech has this structured
Investment Thesis

Four simultaneous structural catalysts. The first AI-native intelligence platform built for claimants — not carriers.

LossIntel is not a regulatory arbitrage play. It is a structural market inefficiency — and four external forces are converging to make this the right moment to close it.

Founder Proof Point
"Our carrier offered $23,266 after back-to-back hurricanes. We recovered $623,435 to date — through insurance, FEMA, and SBA combined. That 27x gap is why this company exists."
Stuart Nixdorff, Founder — three FL hurricanes (2024) · Insurance recovery + FEMA IA + SBA disaster loan · Personal use case built into every product decision
Catalyst 1 · Regulatory

Florida Insurance Reform Creates Urgency

Post-Ian legislative reforms (SB 2A, HB 837) restructured the FL property claims landscape — tightening AOB restrictions, introducing a 60-day cure period under §624.155 bad faith statutes, and reshaping the public adjuster market. The window to build the definitive claimant-side intelligence platform is open now.

400K+
Universal Insurance FL policies — primary carrier target
Catalyst 2 · Technology

AI Makes Expert-Level Analysis Scalable

Claude Sonnet 4.6 powers all 10 pipeline agents. ViT-L/14 damage classification, statutory state machine, and XGBoost settlement benchmarking all run at near-zero marginal cost. Intelligence that formerly cost $300–$500/hour is now accessible to every homeowner.

$0
Marginal cost per AI-generated gap analysis
Catalyst 3 · Climate

Hurricane Frequency Is Structural, Not Cyclical

Ian, Nicole, Idalia, and Debby represent consecutive seasons of mass claim events. FL active hurricane seasons are the new operating baseline. ClaimRestored’s beachhead market grows every June.

18 yrs
Average FL homeowner tenure — multi-claim lifecycle
Catalyst 4 · Mandate

HB 527 — Florida AI Mandate Creates Compliance Infrastructure Demand

Effective July 1, 2026, Florida HB 527 mandates that insurers using AI to deny or limit claims must provide human-reviewed explanations on request. Carriers are now required to disclose AI involvement. Every ClaimRestored claim submission becomes an automatic HB 527 compliance trigger — putting carriers on notice and creating documented demand for appeal.

July 1, 2026
HB 527 effective date — FL AI denial review mandate goes live

Agent-to-Agent Endgame

The long-term architecture is agent-to-agent intelligence. In January 2026, Mighty completed the first documented AI-to-AI insurance claim settlements. Pactum AI has autonomously negotiated $140.5 million in commercial deals. ClaimRestored’s trajectory: AI-powered evidence packaging today, agent-to-agent carrier negotiation by 2027–2029, and no-haggle settlement equilibrium thereafter. The mechanism is economic: contested claims cost carriers 3–4× standard claims. When both sides deploy AI, the rational outcome is faster, fairer settlement.

Market Opportunity

$1.06T U.S. P&C market. Florida beachhead: 150K–200K claims/year, 30K+ disputed, $3B+ dispute value.

FL homeowner premiums average $3,600–$4,200 per FLOIR. SW Florida Year 1 addressable market: 4,100 claims. Expanding to 37 coastal states by Year 3. 42% of homeowner claims were closed with zero payment in 2024 — up from 25.7% in 2004 (Weiss Ratings, 2024) — and homeowners lack the data to fight back.

$1.06T
U.S. P&C Premiums
AM Best / S&P Global 2024 — total addressable market
1.8M
FL Claims 2022–2025
Hurricane seasons creating sustained demand
$44,200
Average Gap per Claim
FL catastrophic loss claims — basis for revenue model
4,100
Year 1 Addressable Claims
SW Florida beachhead: Lee, Collier, Sarasota, Broward

TAM / SAM / SOM

TAM
$1.06T
U.S. P&C premiums (AM Best / S&P Global 2024)
SAM
$3B+/yr
FL disputed claims value — 30K+ disputed claims annually
SOM
$5M+
Year 1 FL target — claim value processed

Sources: U.S. P&C premiums (AM Best / S&P Global, 2024). FL claims volume (FL DFS Annual Reports, 2022–2025). Average gap per claim (internal analysis of FL DFS Civil Remedy Notice records). Zero-payment claim rate (Weiss Ratings, 2024). FL premium averages (FLOIR rate filings). Dispute value derived from FL DFS complaint data and NAIC market conduct reports.

Platform Architecture

Three platforms. One data asset. Full market coverage.

ClaimRestored is structured as a three-sided platform serving distinct segments with differentiated products — all built on the same Claims Knowledge Graph (CKG) and regulatory state machine.

Platform 1 · Consumer D2C

ClaimRestored.com

For homeowners, renters & disaster survivors — insurance, FEMA & SBA

6-Tier TurboTax Model — No PA License Required for Tiers 1–5
  • Tier 1 — Data Foundation ($0): Declaration check, 72-hour deadline tracker, document checklist, intake wizard
  • Tier 2 — Insurance Package ($249 flat): Guided claim documentation, demand letters, supplement builder, appeal package
  • Tier 3 — Gov Package ($249 flat): FEMA IA walkthrough, SBA sequential strategy, ONA optimization, denial appeals — no PA license required
  • Tier 4 — Bundle ($399, save $99): Both Insurance + Gov pathways from one intake
  • Tier 5 — Expert Assist (+$149 add-on): Licensed expert review before submission — highest-margin tier, no PA license
  • Tier 6 — Full Advocate ($499 + 5%): PA-supervised full advocacy; 5% on insurance delta only — never FEMA/SBA

Key UX Differentiators

Claims Journey — Interactive guided experience showing 3-path outcome comparison (Give Up / Fight Alone / ClaimRestored), driving conversion at top of funnel. Recovery Tracker — Real-time settlement tracking dashboard with carrier benchmarks, reducing support burden and increasing user retention through every tier.

$0 → $249 → $399 → $499 + 5% / contingency on insurance delta only
Key differentiator: Traditional PAs charge 10–20% of total claim. Attorneys charge 33%. Tiers 1–5 require no PA license and generate revenue immediately — before Full Advocate goes live.

UPL Risk & Mitigation

Tiers 1–5 are consumer self-file with AI guidance — no PA license required. Tier 6 (Full Advocate) supervised by FL-licensed public adjusters. Legal opinion on UPL compliance on file.

Platform 2 · LossIntel.ai Independent

For Independent Public Adjusters

Solo and small-firm PAs in CAT-corridor states

B2B SaaS · Per-Claim + Monthly
  • Carrier settlement benchmark database per zip code
  • Policy language parser — faster scope identification
  • FL regulatory state machine — deadline tracking
  • Qualified consumer referrals from ClaimRestored D2C pipeline
  • Case intake & documentation automation
  • Field agent dispatch network access
$99/claim → $299/mo Independent / PA brings the license, LossIntel brings the data
Starter tier at $99/claim creates a zero-risk entry point for PA trial. $299/mo Independent tier converts after 3+ claims. PA license + ClaimRestored consumer pipeline = compounding referral flywheel.
Platform 3 · LossIntel.ai Enterprise

For Adjustment Firms & Field Ops

Multi-adjuster firms, restoration contractors & enterprise field operations

Enterprise · Team Licensing + API
  • Team seat licensing — up to 50+ adjusters per firm
  • CKG API access — integrate into existing workflow tools
  • Carrier performance analytics across FL & CAT-corridor states
  • Consumer referral pipeline at enterprise volume
  • White-label consumer intake option
  • Compliance dashboard — multi-state regulatory tracking
$699/mo Team → $2,500–$4,500/mo Enterprise / API per-call pricing available
Priority B2B targets: Servpro, Paul Davis, large independent PA firms, and legal practices handling property coverage disputes. Enterprise contract = highest-margin ARR in the model.
Competitive Landscape

Upper-right quadrant. No direct AI-native competitor on the claimant side.

High Tech / AI-Native
Low Tech / Manual
Carrier-Side
Claimant-Side
CR
Verisk
Core Logic
Trad. PA
Attys
Tract.
Snap

Empty Quadrant Opportunity

No AI-native platform exists on the claimant side. Verisk, CoreLogic, and Tractable all serve carriers. Traditional PAs and plaintiff attorneys are low-tech. ClaimRestored targets the only unoccupied position in the market — high-tech claimant advocacy.

The landscape is early-stage and fragmented. Claim Ready (Macon, GA; December 2025) offers a $29 AI Policy Scan. ClaimSorted ($13.3M Atomico seed, YC-backed) is UK-first with U.S. expansion planned. Mighty completed the first AI-to-AI personal injury settlements in January 2026 but focuses exclusively on PI auto claims. No funded, AI-native platform exists specifically for homeowner property underpayment at scale.

5% vs. 10–33% Pricing Advantage

Traditional PAs charge 10–20% of the total claim. Attorneys charge 33% on contingency. ClaimRestored charges 5% of the additional recovery only — a structurally lower fee enabled by AI-driven cost reduction.

Data Flywheel Deepens Over Time

Every resolved claim enriches the Claims Knowledge Graph. Carrier settlement patterns, underpayment ratios by zip code, and regulatory timelines create a compounding data advantage no new entrant can replicate.

New Revenue Stream · No PA License Required

Insurance is only part of the recovery stack.
FEMA + SBA add up to $687,200 per household.

Most disaster survivors leave six figures on the table — not because they don't qualify, but because they don't know the programs exist, miss the filing deadlines, or file in the wrong sequence. The Gov Package ($249 flat) requires no PA license, no contingency, and no regulatory gatekeeping. It is the fastest path to revenue and the strongest TAM expansion argument in our model.

FEMA Individual Assistance
$87,200
Maximum per household · Declared disaster
  • ✓ FEMA IA walkthrough + eligibility check
  • ✓ ONA optimization (most survivors miss this)
  • ✓ FEMA denial → SBA sequencing strategy
  • ✓ Duplication-of-benefits mapping
  • ✓ Denial appeal package generation
SBA Home Disaster Loan
$600,000
Maximum per household · Low-interest federal loan
  • ✓ SBA application guide + eligibility path
  • ✓ Sequential strategy: FEMA first, SBA second
  • ✓ SBA denial → ONA unlock pathway
  • ✓ Business property disaster loan guidance
  • ✓ Interest rate optimization review
Combined Federal Stack
$687,200
Per household · Per declared disaster
Hurricanes Helene + Milton (2024): $11B in total federal assistance distributed across 1.7M+ FL households. Most received a fraction of what they qualified for.
Gov Package — $249 flat
No PA license · Consumer self-files · Immediate revenue · No contingency risk
Why This Changes the Investment Thesis
TAM expansion: From FL homeowner insurance ($44.6B) to every federally declared disaster nationally — $11B in Helene + Milton alone.
Revenue unlocked immediately: Tiers 1–5 (including Gov) require no PA license. Revenue doesn't wait for Tier 6 (Full Advocate) to go live.
No competitive moat exists here: FEMA + SBA guidance is fragmented, 40-year-old PDF-driven, and completely unserved by AI-native tools.
Founder's proof point: Stuart recovered $7,799 (FEMA) + $54,600 (SBA) personally — on top of $560,770 in insurance recovery. Total: $623,435 to date.
Unit Economics

The math works from Day 1. It compounds at scale.

Contingency model drives immediate revenue with zero consumer acquisition barrier. B2B SaaS creates durable ARR.

$280
Blended CAC
Paid search + content + referral blend
$3,100
Customer LTV
1.1x claims/customer + referral value
11.1x
LTV / CAC Ratio
Benchmark: >3x is investable, >10x is exceptional
82%
Gross Margin
AI-driven analysis at near-zero marginal cost
Revenue Stream Year 1 — 2026 Year 2 — 2027 Year 3 — 2028 Notes
D2C Contingency (5% recovered delta) $180K $720K $2.4M Core FL launch → SE expansion
D2C Pro ($399 flat fee) $60K $240K $600K Onsite documentation tier
Content Publishing & Subscriptions $42K $204K $660K Guides, ebooks, support tiers
LossIntel.ai B2B SaaS (Platforms 2 + 3) $0 (beta) $300K $1.5M Independent PAs + enterprise firms
Marketplace & Referral Fees $30K $120K $360K Field agent dispatch + PA matching
TOTAL PROJECTED REVENUE* $312K $1.58M $5.52M Series A trigger: $1.5–2M ARR (Q2 2027 target)

* Revenue projections are illustrative planning targets based on internal modeling assumptions. Not audited forecasts. Actual results may differ materially. Key assumptions: CAC $280 (blended), LTV $3,100, 82% gross margin, FL-only Year 1 with multi-state expansion in Year 2. Sensitivity analysis and unit economics available in data room.

Technology Stack

AI-native from day one. Four proprietary systems.

Every technical component is designed to create compounding value — each resolved claim makes the platform smarter, faster, and harder to replicate.

Claims Knowledge Graph (CKG)

Proprietary settlement benchmark database built on 100,000+ FL DFS Civil Remedy Notice records, court filings, and resolved claim outcomes. Every claim deepens the model. Gets harder to replicate with time.

100,000+ CRN records — no competitor has this

Vision Transformer Damage Classification

ViT-L/14 model classifies property damage across 23 categories from photos and aerial imagery. Pre/post-storm aerial baselines enable automated damage delta calculation.

>91% classification accuracy

Regulatory State Machine

FL §627.70131, §624.155 (60-day cure period), §627.428 encoded as actionable deadline-tracking tools. Each state expansion adds a new moat layer competitors must rebuild from scratch.

FL statute compliance engine

AI Policy Parser & Gap Analysis

Claude Sonnet 4.6 parses homeowner policies to identify missed entitlements, coverage gaps, and endorsement conflicts. Automated demand letter and FL DFS complaint generation. Trained on 100,000+ Civil Remedy Notice records.

Near-zero marginal cost per analysis
Competitive Moat

Four compounding defensibility layers.

Claims Knowledge Graph (CKG)

Proprietary settlement benchmark database. Every resolved claim makes the model more accurate. Gets harder to replicate with time.

Regulatory State Machine

FL statutes and carrier timelines encoded as actionable tools. Each state expansion adds a moat layer competitors must rebuild from scratch.

Content Authority & SEO Moat

Kindle titles, annual guides, and state-specific pocket guides create organic search and trust that no carrier can easily replicate. Content compounds.

B2B2C Network Effects

PAs on LossIntel.ai generate better-documented claims → better outcomes → more consumer referrals → more CKG data → better benchmarks for all PAs.

Go-to-Market

Florida first. Gulf Coast second. National at exit.

Three-phase GTM that validates unit economics in the highest-density CAT market before scaling state by state.

Phase 1 · 2026

Florida Beachhead

Q2–Q4 2026 · ClaimRestored FL launch + Hurricane Season Activation

  • FL MVP launch — Free + Pro + Advocate tiers live
  • Universal Insurance (UVE) policyholders — priority paid search
  • Lee, Collier, Sarasota, Broward counties concentration
  • LossIntel.ai beta — 10–20 FL independent PAs enrolled
  • 25-county field agent coverage operational
  • Pre-product; founding team
Phase 2 · 2027

Gulf Coast + Southeast

Q1–Q4 2027 · TX, LA, GA, SC expansion

  • Regulatory state machine for TX, LA, GA, SC built
  • LossIntel.ai Independent tier commercialized ($299/mo)
  • Enterprise pilots — 3+ company-level accounts
  • “Don’t Take the First Check” Kindle launch
  • PA referral network formalized — revenue-share agreements
  • Series A trigger: $1.5–2M ARR with 15%+ monthly growth
Phase 3 · 2028–2029

National Platform + Exit

2028–2029 · All 50 states + full platform at scale

  • ClaimRestored national consumer brand — all 50 states
  • NFIP appeal module launched (underserved vertical)
  • LossIntel.ai 50+ enterprise accounts; NAPIA partnership
  • 10,000+ CKG claim records — data flywheel accelerating
  • Strategic exit: $40–100M target range
Development Roadmap

Three generations. 18 months to platform scale.

Seed funds G1 + G2 with 18 months runway. Each generation builds on the last — expanding team, technology, and market reach.

G1 Foundation Q2 2026

MVP Launch

  • AI damage analysis & policy parsing
  • 6-tier consumer platform (Tiers 1–5 live Day 1)
  • Gov Package: FEMA + SBA guided self-file ($249)
  • FL statutory compliance + deadline engine
Team 6
Cost $330K
G2 Scale Q3–Q4 2026

Market Activation

  • LossIntel.ai B2B launch
  • CKG activation & data flywheel
  • Agent-to-agent negotiation V1
  • Hurricane Season Mode activation
Team 12
Target $50K MRR
G3 Platform 2027

National Expansion

  • 7-state expansion
  • Field agent marketplace
  • Enterprise tier launch
  • Autonomous negotiation engine
Team 20
Target $250K MRR
Seed funds G1 + G2 with 18 months runway. G3 funded by Series A, triggered at $1.5–2M ARR.
Exit Architecture

Six buyer categories. Multiple paths to a premium exit.

The three-platform architecture creates independent value each buyer category recognizes. Most likely path: national restoration chain acquires ClaimRestored as their consumer funnel + LossIntel.ai as their intelligence layer.

Category A · Priority

National Restoration Chains

ServiceMaster, Paul Davis, Belfor, BMS CAT. ClaimRestored becomes their consumer acquisition engine.

$40–80M · 4–6x ARR
High Probability
Category B

Insurance Carriers (Defensive)

Carriers acquire CKG + damage models to improve internal claims accuracy and prevent consumer advocacy exposure at scale.

$50–100M+ if triggered
Year 3+ / Post Series A
Category C

Insurtech Roll-Ups

Hippo, Kin, Openly, or PE-backed insurtech consolidators assembling the full property lifecycle. LossIntel.ai B2B ARR is attractive as a bolt-on.

$15–40M · SaaS multiple
Series B Timing
Category D · High Value

Law Firm Networks

Morgan & Morgan and similar plaintiff firms. ClaimRestored delivers a scalable upstream consumer funnel pre-qualifying bad faith cases.

$25–50M · Case origination premium
High Probability at Scale
Category E

Insurance Agencies & MGAs

Universal Insurance Group, Heritage, large MGA platforms. Convert policyholder relationships to retention and cross-sell.

$20–50M · Strategic premium
Positioned for Approach
Category F

PE / Litigation Finance

Burford, Legalist, and property litigation roll-ups. Bad faith evidence + DFS complaint database as deal origination infrastructure.

$15–30M · Data asset premium
Longer Horizon
Scenario Buyer Type Timing Target Valuation
Base Regional restoration chain or insurtech Series B roll-in 2027–2028 $15–25M — 5x ARR at $3–5M ARR
Target National restoration chain or Morgan & Morgan affiliate 2028–2029 $40–80M — platform premium on CKG + content library
Upside Major carrier, insurtech platform, or national PE roll-up 2029–2030 $100M+ — LossIntel.ai B2B ARR + national consumer brand
Watch · Technical Deep Dive

The Counter-Algorithm: How We're Engineered to Win

Carriers deploy adversarial AI to suppress claim settlements. We engineered the counter. Watch the technical thesis behind LossIntel's data moat and competitive architecture.

Adversarial AI in InsurTech — LossIntel Inc. Technical Overview

The Ask

Seed Round — Closing Q2 2026

Seed Round — Q2 2026
$2.5M
$10M Pre-Money Valuation
$2.5M Seed $10M Pre-Money 18-Month Runway Series A Trigger: $1.5–2M ARR
Engineering40%
AI / ML25%
Go-to-Market20%
Operations15%
Key Hire
Chief Technology Officer
$160–220K + 2% equity · AI/ML platform engineering lead

18-Month Path to Series A

Q2 2026

FL MVP Live

All 6 tiers live: Data Foundation, Insurance $249, Gov $249, Bundle $399, Expert Assist +$149, Full Advocate $499+5%. 10-agent pipeline operational. 25-county FL coverage.

Q3 2026

100 Recovered Claims

Advocate tier operational. LossIntel beta: 10 PA accounts. Hurricane Season Mode live.

Q4 2026

$100K ARR + Book Launch

“Don’t Take the First Check” on Amazon. Pro subscription launched. PA referral network formalized.

Q1 2027

Gulf Coast Expansion

TX + LA regulatory state machines live. LossIntel.ai Independent tier commercialized. Enterprise pilots initiated.

Q2 2027

Series A Trigger

$1.5–2M ARR with 15%+ monthly growth. 3-month trailing. $8–12M Series A target.

Request the Full Data Room

Deck, financial model, regulatory analysis, and CKG architecture overview available to qualified investors under NDA.

LossIntel Inc.
ClaimRestored · Investor Relations
Materials provided under NDA. Not a solicitation. For accredited investors only.