The claims lifecycle is bigger than the claim file.
A useful claims-intelligence system has to understand the property before the event, the event itself, what happens during the claim, and what recovery and repair evidence appears afterward.
1. Pre-loss: establish the property baseline
Before a storm, fire, flood or other loss event, the useful baseline can include canonical property identity, parcel context, buildings, roof/structure information, assessments, environmental context, hazard history and authoritative outlooks. The point is not to predict a claim. It is to preserve what was knowable before the event.
2. Loss: preserve the event without turning it into damage
BridgePoint tracks source-labelled event context such as NWS alerts and warnings, radar/hail families, tropical cyclones, wildfire incidents, earthquakes, structure-fire context and environmental releases. A warning polygon or observed report can establish exposure context; it does not automatically establish that a particular structure was damaged.
3. Claim: organize the timeline, not just the document pile
The claim stage can include first notice, inspection, estimate, supplement, carrier response, dispute, appraisal, settlement, payment, reopen and close where authorized evidence exists. The important architectural choice is to attach those events to a stable property and timeline while keeping source provenance and verification status visible.
4. Recovery and repair: follow what happens after the decision
Disaster declarations, individual/public assistance, mitigation programs, permits, contractor licensing, inspections, occupancy and closeout can reveal recovery and repair activity. These sources have different legal, licensing and privacy conditions, so “found on the internet” is not treated as permission to ingest or republish everything.
What is already measurable
BridgePoint’s current claims-family matrix contains 32 tracked source families across 15 lifecycle-stage labels and 1,792 family/state rows. The current matrix shows 2,119 source slots tracked and 1,828 enabled source slots, while each family retains a source-specific rights/privacy gate.
Machine delivery without unsolicited injection
The public Claims Lifecycle Terminal now exposes a JSON snapshot, RSS/WebSub feed and a read-only OpenAPI contract. Organizations can intentionally subscribe or integrate. Direct partner delivery should use authorized endpoints and agreements rather than automated submissions into third-party intake forms, bug queues or private APIs.