Insurance Claim Payout Demo
Calculate claim payouts and certify every coverage rule with a reproducible receipt.
Calculate claim payouts and certify every coverage rule with a reproducible receipt.
Calculate claim payouts and certify every coverage rule with a reproducible receipt.
Consistent
Same input → same output
Consistent
Same input → same output
Fast
Get an answer instantly
Fast
Get an answer instantly
Results
Proof + results + constraints
Results
Proof + trace + constraints
Results
Proof + trace + constraints
Certified
Certified before release
Certified
Certified before release
Certified
Certified before release
Scenario + Inputs
What this demo shows
CERTIFIED
We can prove the math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check, so we fail closed.
TRUE / FALSE
Whether a rule passed. Loan approval is a separate decision.
Loaded scenario
Sample A (CERTIFIED, all TRUE)
Workflow: Income ratios (DTI/PTI)
Property + loan
Property value
Down payment
Annual rate
6.25%
Term (years)
Loan amount
$487,500.00
Monthly P&I (demo)
$3,001.62
Escrows + reserves
Monthly taxes
Monthly insurance
Monthly HOA
Liquid reserves
Monthly PITI
$3,816.62
Reserves coverage
22.27 months
Borrower / cashflow
Monthly gross income
Monthly debts
Annual NOI
This demo certifies math control checks. It does not approve or deny loans.
Policy Controls
Mode: Income ratios (DTI/PTI)LTV max
Reserves minimum
DTI max
PTI max
Derived metrics (informational)
LTV
Loan-to-value
75.00%
DTI
Debt-to-income
31.55%
PTI
Payment-to-income
27.26%
Reserves
Months of PITI
22.27
Policy controls define thresholds. Certification determines whether each check is provable.
Result Summary
—
Run certification to generate a receipt.
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
Claim + Inputs
What this demo shows
CERTIFIED
We can prove the payout math behind the checks (even if a check is TRUE or FALSE).
NOT CERTIFIED
We cannot prove at least one check (e.g., evidence/documentation), so we fail closed.
TRUE / FALSE
Whether a rule passed. Claim approval/coverage decisions can involve non-math evidence.
Loaded claim
Sample A (CERTIFIED, ACV)
Homeowners PropertyClaim #HO-248173DOL 2026-02-06
Loss line items
COVERED
Water mitigation
Dry-out, fans, dehumidifiers
$3,200.00
COVERED
Drywall + paint
Replace damaged drywall and repaint
$4,100.00
COVERED
Flooring
Replace laminate in affected rooms
$5,600.00
EXCLUDED
Wear & tear
Pre-existing deterioration (excluded)
$900.00
Total claimed
$13,800.00
Excluded amount
$900.00
Covered loss
$12,900.00
Claim facts
Depreciation
Shown as recoverable on RCV. Subtracted on ACV.
Prior payments
Advances or prior partial settlements.
Limit remaining
$50,000.00
Payable base
$12,900.00
Net payout
$10,650.00
This demo certifies payout math checks. Real claims may also require external evidence that cannot be proven by math alone.
Policy Controls
Settlement: ACVSettlement basis
Deductible
Coverage limit
Derived (informational)
Covered
Covered loss
$12,900.00
Limit
Limit remaining
$50,000.00
Payable
Payable base
$12,900.00
Payout
Net payout
$10,650.00
Policy controls define thresholds and settlement basis. Certification determines whether each check is provable.
Result Summary
—
Run certification to generate a receipt.
Verified outputs
Net payout
$10,650.00
Settlement basis
ACV
Limit remaining
$50,000.00
Run stats
Kernel version
—
Execution time
—
Checks
—
Checks performed
Run certification to populate checks.
