Extract data from adjuster reports
Once a property claim is opened, the carrier assigns a loss adjuster who visits the site, documents what failed and why, and writes an adjuster report, the assessment that sits between the first notice of loss and any settlement. It is the adjuster account, not the insured claim and not the payment: it records the inspection date, the cause and type of loss, the loss location, a line-by-line damage estimate, and a recommended coverage status the examiner will act on. That report carries the adjuster name and license number, the claim and policy numbers, and the ACORD coverage line the loss falls under, so the file can be read against the policy that was in force. At the center of an adjuster report sit the estimate and the recommendation. On a water loss reported under claim CLM-2026-05310, adjuster J. Feldman, license TX-ADJ-88214, inspected the property on 2026-05-28 and attributed the damage to a failed supply line rather than a covered weather event. The estimate reconciles across three damaged items: $18,500 to repair water-saturated hardwood flooring, $9,800 for drywall and insulation, and $7,200 for cabinetry, a total estimated loss of $35,500. Against a $2,500 deductible the adjuster recommends an approved amount of $33,000 and a coverage status of covered, with a note to mitigate mold within 72 hours and to obtain a second cabinetry estimate before repair begins. Talonic reads the report and returns the adjuster and license, the inspection and loss dates, the cause of loss, the estimated and recommended amounts, and the coverage status as fields, and keeps the damaged items, the coverage summary, and the repairs and estimates as tables. A report prepared 2026-05-30 for insured Willowmere Properties LLC under a policy with Ardent Casualty Insurance Company (NAIC 21199) loads into a claims system so the examiner reviews the adjuster findings as structured data. Here Talonic captures the determination the adjuster recorded and does not itself decide coverage, approve payment, or judge the estimate.
What gets extracted from adjuster reports
How extraction works for adjuster reports
An adjuster report is written after the site visit, produced from estimating software, a field-inspection app, or a dictated narrative, and reaches the desk examiner as a PDF where the estimate, the coverage call, and the recommendations sit in separate sections. Classification maps the report to the loss-adjustment schema in the Field Registry, which keeps the estimated loss amount, the deductible, and the recommended approved amount as distinct figures so the estimate and the recommendation are never merged. Damaged items fill a table with each item pre-loss value, repair estimate, and approved amount; the coverage summary table pairs each coverage type with its limit, deductible, and coverage status; and the repairs-and-estimates table carries each repair with its contractor, estimated cost, and priority. Inspection date and loss date are read separately, so the gap between the event and the survey is visible. Provenance travels with every value as a confidence score and a source-region pointer under DIN SPEC 91491, so an examiner can verify an estimate line or the recommended amount against the adjuster report. Structured output reflects the stated findings, and the extraction does not make the coverage determination or approve the payment.
Sample extraction
A field adjuster report on a water loss, with estimate and coverage recommendation
{
"document_number": "AR-2026-05310",
"document_date": "2026-05-30",
"claim_number": "CLM-2026-05310",
"policy_number": "HO3-2026-441028",
"insured_name": "Willowmere Properties LLC",
"insured_address": "17 Rosewood Lane, Austin, TX 78704",
"adjuster_name": "J. Feldman",
"adjuster_license_number": "TX-ADJ-88214",
"insurer_name": "Ardent Casualty Insurance Company",
"insurer_naic_number": "21199",
"coverage_type": "PROPERTY",
"policy_effective_date": "2025-09-01",
"policy_expiration_date": "2026-09-01",
"loss_date": "2026-05-26",
"inspection_date": "2026-05-28",
"loss_location_address": "17 Rosewood Lane, Austin, TX 78704",
"loss_type": "water",
"loss_description": "Failed washing-machine supply line flooded the ground floor, damaging flooring, drywall, and cabinetry",
"estimated_loss_amount": 35500,
"approved_amount": 33000,
"deductible_amount": 2500,
"coverage_status": "covered",
"recommendations": "Mitigate mold within 72 hours and obtain a second estimate on cabinetry before authorizing repair",
"producer_name": "Lone Star Insurance Group",
"each_occurrence_limit": 400000,
"damaged_items": [
{
"item_number": "1",
"item_description": "Hardwood flooring",
"damage_description": "Water saturation and buckling",
"loss_type": "water",
"estimated_value": 22000,
"repair_estimate": 18500,
"approved_amount": 18500
},
{
"item_number": "2",
"item_description": "Drywall and insulation",
"damage_description": "Wicking and swelling to 24 inches",
"loss_type": "water",
"estimated_value": 14000,
"repair_estimate": 9800,
"approved_amount": 9800
},
{
"item_number": "3",
"item_description": "Kitchen cabinetry",
"damage_description": "Base cabinets water damaged",
"loss_type": "water",
"estimated_value": 11000,
"repair_estimate": 7200,
"approved_amount": 7200
}
],
"coverage_summary": [
{
"coverage_type": "Dwelling",
"policy_limit": 400000,
"deductible": 2500,
"coverage_status": "covered",
"claimed_amount": 35500,
"approved_amount": 33000
}
],
"repairs_and_estimates": [
{
"repair_item": "Water extraction and structural drying",
"contractor_name": "DryStand Mitigation",
"estimated_cost": 4200,
"approved_cost": 4200,
"priority": "emergency"
},
{
"repair_item": "Flooring replacement",
"contractor_name": "Hill Country Floors",
"estimated_cost": 18500,
"approved_cost": 18500,
"priority": "urgent"
},
{
"repair_item": "Cabinetry rebuild",
"contractor_name": "Second estimate pending",
"estimated_cost": 7200,
"approved_cost": 7200,
"priority": "routine"
}
]
}Frequently asked
How is an adjuster report different from the claim filing?
The claim filing is the insured submission; the adjuster report is the assessment written by the carrier-assigned adjuster after inspecting the site. It records the inspection date, the cause of loss, and a recommended coverage status and amount, here $33,000 after a $2,500 deductible, that the examiner acts on before settlement.
Does the damage estimate reconcile?
Yes. The damaged-items table sums each repair estimate against the estimated loss amount, so the $18,500 flooring, $9,800 drywall, and $7,200 cabinetry lines are checked to total the $35,500 estimate, and the recommended $33,000 is that estimate net of the $2,500 deductible.
Does it capture the recommendations and repair priority?
Yes. The recommendations field is read in full, and the repairs-and-estimates table tags each repair with a priority such as emergency, urgent, or routine, so time-sensitive mitigation like mold control within 72 hours is not lost.
Does Talonic make the coverage determination?
No. It captures the coverage status the adjuster recorded, covered, partial, denied, or pending, along with the estimate and recommendation, and links each to its source region. Deciding coverage and approving payment stay with the carrier.
Ready to extract from your own adjuster reports?
Author note
Reviewed by Talonic engineering, insurance schema review · last reviewed 2026-07-08
- Source: Talonic Adjuster Report schema (seeded)
- Source: ACORD forms library