pitch.gigs.claims

gigs.claims

Your adjuster license earns — no deployment required.

↓ scroll · arrow keys

The license that only earns when someone deploys it

  • The CAT / independent adjuster between deployments — earns in bursts when a storm makes landfall; between deployments the license earns nothing, and every working dollar is wrapped in travel and windshield time.
  • The staff adjuster with spare evenings — adjusts all day for one carrier's salary; has spare judgment at night and no compliant way to sell it, because the employer's E&O does not follow them out the door.
  • The retired / between-roles license holder — pays renewal fees and CE hours on a live license that currently earns nothing.
  • The DHS adjuster — home state doesn't license adjusters, so they hold a Designated Home State license anchored in a licensing state. Fully licensed; routinely treated as second-class. A first-class member here.

The villain is not the carrier, not the IA firm, and not AI. It is the roster stack: the fixed apparatus — roster sign-ups, deployment calls, travel, someone else's fee computation after the file closes — that makes small, honest units of adjusting work uneconomical, and makes moonlighting without it an E&O and licensure trap.

Postedwww.tdi.texas.gov/agent/adjuster-designated-home-state-apply.html

The Designated Home State path is real, filed machinery: Texas grants DHS all-lines adjuster licenses to residents of non-licensing states, and reciprocity hangs off that anchor. Here it is computed per state and line — never eyeballed by a roster coordinator.

Three steps, none of them hard

  1. Verify. Two minutes: your adjuster license — state or Designated Home State — checked against the state's official record. No essays, no interviews, no roster packet.
  2. Claim. A matched file reaches your phone: line of authority, state, peril, where the statutory clock stands — and the flat fee, already fixed. Claim it and the full prepared file unlocks. Skip it, and that costs nothing and is invisible to your record.
  3. Adjust — or don't. Ten to thirty minutes with an AI-prepared file and its flagged questions. Attest the adjustment, send it back with defects noted, or decline with a memo. Every one of those outcomes is completed professional work, and every one pays your flat fee the same day.

How the money works

  • Fee-certainty: the File Fee is flat and fixed at post time — never a percentage of indemnity, never a tier computed after close, never adjusted retroactively.
  • Fee-visibility: the number on the claim card is the number you're paid, disclosed before you claim, paid the same day by the licensed TPA.
  • Decision-independence: recommend payment, send the file back, or decline — the fee is identical. Your judgment is never priced, and no one upstream can make a denial worth more than a payment recommendation.
  • Refusal is sovereign: a send-back is paid professional work; a declination is paid, requires only your reasoned memo, and is final against every process, meter, and operator. Structurally — the system cannot commit past your refusal.
Pendinggate: first live fee data — ins/docs/brand/gigs-storybrand.md §open-questions

What a file pays is your first question, and it deserves a number, not adjectives. The working File Fee band posts here the moment real files price it — ▮▮▮posts when first live fee data resolves — and until then the band and the 10–30 minute review target stay exactly what they are: design targets, not measured facts.

Real authority, carried for you

Carrier / MGA → Claims-Handling Agreement → the platform's own licensed TPA (Delegated Authority; merchant of record; pays your File Fee) → you, under your own license, in your own judgment.

You are an independent adjuster engaged by a licensed claims administrator — not a freelancer invoicing a carrier that has never heard of you. The regulatory relationship with the carrier is the platform's burden; the judgment is yours. Nothing becomes attestable until E&O naming you is in force — that is a hard gate, and its status is tracked openly on the next slide — and work reaches you only inside your license, your states, your lines of authority, with fresh standing.

Postedcontent.naic.org/sites/default/files/inline-files/Chapter%2018%20-%20Adjuster%20Licensing.pdf

Adjuster licensing is per state and line of authority, and P&C claims administration is regulated as adjusting — which is why eligibility here is a hard lattice (license × state × line × standing × E&O), evaluated fresh per file.

What the fee actually prices

Candour that runs both directions. What a carrier buys through this platform is not labor — it is a decision with liability behind it: your Attestation under your own license, E&O in force naming you, inside a Claims-Handling Agreement a regulator can examine. That is why AI repricing the file work around the decision does not reprice the decision: a signature that carries risk is priced as risk, not as hours.

That fact is your floor, and the platform is built to pay you for it rather than around it: the flat fee prices your judgment and the liability you carry — never the outcome, never the indemnity number, never the hours.

Pendinggate: master E&O program quoted, naming rostered adjusters — ins/docs/entity-structure.md §open-questions

The master E&O program naming rostered independent adjusters is commercially assumed but not yet quoted; underwriter appetite for AI-prepared files is the real question, and nothing is attestable before coverage is in force. Stated pending, because the coverage promise is the load-bearing one.

One cell, two doors

B2Abusiness serves an agent — the machine is the customer
A2Aagent to agent — pure machine commerce
B2A2Ba business system calls the rail on its own behalf
B2A2Dour agent serves the deputized developer
B2A2Cour agent serves the consumer
B2H2Aa statute names a human — the licensed supplier in the pathprimary
A2H2Athe human is a required supplier: the regulated-cell shape

gigs.claims and api.insure are not two businesses: they are the supply door and the demand rail of one licensed operating company — the cell. A calling agent enters at api.insure, the reserved act lands here with a licensed adjuster, and the result returns to the caller — business to human to agent (B2H2A), the only motion any gigs.* door runs, because a statute names a person. One membership is built to aggregate what a dozen IA-firm rosters cannot: demand that does not depend on the weather, routed from every brand in the estate whose workflow reaches a licensed adjusting act.

Postedgigs.claims
gigs.claims serves. The namespace position is occupied.

Where it stands

Pendinggate: cell entity formation and entity adjuster licensure — ins/docs/entity-structure.md

Adjusting is licensed state by state, for the entity as well as the individual. Both licensure tracks are in progress; no claim routes before the entity, its Delegated Authority, and its coverage exist. Early access means exactly that — verification is real before the word "verified" is.

Apply for early access — adjusters verified before marketplace-live hold first-file priority in their licensed states when routing begins. Or read the fee memo first — how the money works, what delegated authority means, who insures what, and why the platform is building its own licensed TPA — one page, citation-grade, written to be forwarded before you touch an outside file.