Use a balanced acceptance scorecard, not a single accuracy percentage.

We recommend reporting:

• Cost per accepted file, with cohort maturity and unresolved work visible.
• First-pass acceptance among first submissions reviewed, alongside unreviewed and blocked-file counts.
• Material-defect rates from independent sampling, including files that already passed.
• Review and correction minutes by loss type, complexity and inspection source.
• Elapsed time from initial submission to usable file, including pauses and returns.
• Post-acceptance corrections, repeat visits and escalations attributable to production.

The NAIC Model Bulletin describes testing against expert review and retesting as relevant validation approaches. It does not provide a universal property-file acceptance benchmark. (content.naic.org)

What would change our recommendation? Representative results showing a durable reduction in total effort, acceptable material-defect performance, working hand-offs and a credible exit path would support expansion. A quick first draft accompanied by more carrier verification would not.

Quarter-end question: Can your team demonstrate why each accepted file passed—and what it cost to get there?

— Scopeframe research desk

Sources

Publication dates and reporting periods are stated where available. Undated supplier pages were checked for this research on 20 October 2026. Supplier pages support descriptions of advertised services, not independent outcome claims.

1. NAIC — Big Data and Artificial Intelligence Working Group: version 6.0 consultation notice and scheduled meetings. https://content.naic.org/committees/h/big-data-artificial-intelligence-wg
2. NAIC — AI Risk Evaluation Supplement, summary of changes from version 4.0: background to version 5.0, not a clause-level analysis of version 6.0. https://content.naic.org/sites/default/files/inline-files/summary-of-changes.pdf
3. NAIC — Model Bulletin: Use of Artificial Intelligence Systems by Insurers: adopted 4 December 2023. https://content.naic.org/sites/default/files/inline-files/2023-12-4%20Model%20Bulletin_Adopted_0.pdf
4. Wisconsin OCI — The Use of Artificial Intelligence Systems in Insurance: bulletin dated 18 March 2025. https://oci.wi.gov/Pages/Regulation/Bulletin20250318AI.aspx
5. Verisk — Quarterly Property Report, April–June 2026: assignment volumes, catastrophe mix and dataset methodology, especially pages 3–4. https://www.verisk.com/4a564e/siteassets/media/campaigns/gated/property-estimating/verisk-quarterly-property-report-april-june-2026.pdf
6. Verisk — Xactware property claims and restoration solutions: estimating and QA functionality. https://www.xactware.com/home/
7. Verisk — XactAnalysis developer documentation: assignment, estimate and supporting-information workflows. https://developerportal.verisk.com/solution/estimate/xactanalysis
8. SeekNow — Estimate Writing Services for Insurance Carriers: page dated 12 June 2026; service-versus-draft distinction. https://seeknow.com/solutions/insurance-carrier-solutions/estimate-writing/
9. Cotality — Validate: advertised estimate-review rules and workflow features. https://www.cotality.com/products/claims-validate
10. Claims Delegates — Price List: undated supplier-specific fee schedule. https://www.claimsdelegates.com/price-list/
11. Crawford — Estimate Reviewer Engineer, job 5300: Manila vacancy posted 13 October 2026; employer listing available through indexed page content. https://fa-esau-saasfaprod1.fa.ocs.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1001/job/5300
12. C&R Magazine — AI & Estimating: No Rage Quitting Allowed: YouTube description, published 27 February 2026. https://www.youtube.com/watch?v=bPtQHJi2bEs
13. Restoration Today — AI & Estimating: No Rage Quitting Allowed: podcast description and duration, published 27 February 2026. https://podcasts.apple.com/us/podcast/ai-estimating-no-rage-quitting-allowed-restoration/id1581043873?i=1000751918676
14. Sedgwick — Data Identifies Trends Transforming Property Claims: report announcement dated 10 September 2026. https://www.sedgwick.com/press-release/sedgwick-data-identifies-trends-transforming-property-claims/
15. Citizens Property Insurance Corporation — Claims Committee minutes: historical carrier workflow example, meeting held 11 September 2025. https://www.citizensfla.com/documents/20702/37875475/20250911%2BClaims%2BCommittee%2BFinal%2BMeeting%2BMinutes%2BSeptember%2B11,%2B2025.pdf/a8b6892a-bd22-b6aa-caad-d396f1387fc8?t=1763738003355