# Catastrophe claims deployment that knows who is licensed, deployed and actually free

> Catastrophe claims deployment is the work of mobilising adjusters into a disaster area and matching them to claims: who holds a licence in that state, who is already deployed, who can handle the loss type and who can be there within days. NOAA has recorded 403 separate US weather and climate disasters costing at least 1 billion dollars each since 1980, together above 2.9 trillion dollars. Neurobird holds the roster, the licences and the assignments in one place.

- URL: https://neurobird.com/catclaims/
- Product: Neurobird Catastrophe Claims Deployment Revenue Recovery Platform
- Niche: catastrophe claims deployment
- Buyer: carriers and independent adjusting firms
- Status: in development, open for early access
- Updated: 2026-08-21

## What Neurobird Catastrophe Claims Deployment does

- Keep licence state, expiry and emergency licence status current on every adjuster in the roster
- Call a roster for an event and track acceptance, arrival and roll off dates in one place
- Assign files by capability: ladder, large loss, commercial, language, not by whoever answered
- See daily file counts, cycle time and reinspection rate per adjuster while the event is still running

## How it works

1. **Keep the roster live** Licence state, expiry, emergency licence status, certifications and equipment sit on each adjuster record and age visibly rather than silently.
2. **Call the event, not the list** Filter by state licence, capability and availability, send the call, and track acceptance, arrival and roll off dates as they come back.
3. **Assign by capability** Ladder assist, large loss, commercial, flood and language are matched to the file, so reinspection rate drops instead of being explained afterwards.

## From the source material

> Additionally, insurance proceeds or other reimbursements received (or claims for reimbursement for which there is a reasonable prospect of recovery), and not required to be repaid, will reduce the casualty loss.

Source: irs.gov, https://www.irs.gov/businesses/small-businesses-self-employed/faqs-for-disaster-victims

## Industry context

- **403** US weather and climate disasters since 1980 with losses of at least 1 billion dollars each, the events that trigger a catastrophe deployment. (source: NOAA NCEI billion dollar disasters, https://www.ncei.noaa.gov/access/billions/)
- **$2.9T** Combined cost of those events, which is why carriers keep standing rosters rather than recruiting after the storm. (source: NOAA NCEI summary statistics, https://www.ncei.noaa.gov/access/billions/summary-stats)
- **50 states** Adjuster licensing is set state by state, so a roster that ignores licence position produces assignments that cannot be worked. (source: NAIC Adjuster Licensing Working Group, https://content.naic.org/committees/d/adjuster-licensing-wg)
- **2 routes** Texas grants an all lines adjuster licence either by state exam or through an approved certification, and issues emergency licences separately after a declared event. (source: Texas Department of Insurance, https://www.tdi.texas.gov/agent/adjuster-all-lines-apply.html)
- **1980** The federal disaster loss series starts in 1980, long enough to show that surge staffing is an annual operating problem, not a rare one. (source: NOAA NCEI billion dollar disasters, https://www.ncei.noaa.gov/access/billions/)

## Pricing

- Single firm: $9 per rostered adjuster, per month
- Carrier: $22 per rostered adjuster, per month
- National: $38 per rostered adjuster, per month

## Questions

### What is catastrophe claims deployment?

Catastrophe claims deployment is the process of mobilising adjusters into a disaster area and matching them to claims: who holds a licence in that state, who is already deployed elsewhere, who can handle the loss type, and who can be on the ground within days. It is a staffing and logistics problem that runs on a clock set by the weather.

### Why does adjuster licensing complicate deployment?

Because adjuster licensing is state by state, with reciprocity that varies and separate emergency licences issued after a declared event. A roster that does not track licence state and expiry will produce assignments that cannot legally be worked, which is discovered after the adjuster has travelled.

### How fast does a deployment actually have to move?

Most carriers want first contact within 24 to 48 hours of an event and inspections starting inside the first week. That means the roster call, the licence check and the file assignment all happen while the roads are still being cleared.

### Does this replace our claims system?

No. Claims stay in your claims system. This is the layer above it: the roster, the licences, the deployment status and the assignment logic that decides which adjuster gets which file.

### Can it handle independent adjusting firms as well as staff?

Yes. Most events are worked by a mix, and the mix is the hard part. Staff, IA firms and their subcontracted adjusters can sit in one roster with different rate structures and different licence positions.

## Sources

- [NOAA NCEI, billion dollar disasters](https://www.ncei.noaa.gov/access/billions/)
- [NOAA NCEI, summary statistics](https://www.ncei.noaa.gov/access/billions/summary-stats)
- [NAIC Adjuster Licensing Working Group](https://content.naic.org/committees/d/adjuster-licensing-wg)
- [Texas Department of Insurance, adjuster licensing](https://www.tdi.texas.gov/agent/index.html)

## Contact

- office@neurobird.com
- https://neurobird.com/