Donegal’s ZestyAI expansion means the carrier arrives at roof claims with a dated, scored, pre-loss record. What that does to condition disputes, ACV math, and supplement fights — and the field-documentation standard that stands up next to it.
Carrier-side AI like Benekiva’s Kiva now checks your FNOL for completeness before an examiner opens it. Here’s how to make every file complete on first submission.
The adjuster didn’t cheat you. They did their job — and your estimate lost every line item you couldn’t prove.
Voice AI is shifting restoration documentation from typing-while-wet to talking-while-working, letting techs keep their hands on the job while the record builds itself in real time.