How it works
From claim file to carrier-ready report.
A baseline-first, PA-reviewed workflow that turns scattered receipts and bills into a documented reimbursement package.
Create claim file
Set up the claim with loss date, displacement details, and the categories that apply to this household.
Invite insured
Send a secure, claim-specific upload link. The insured submits from their phone — no account hurdles.
Capture normal expenses
A guided questionnaire establishes category-level pre-loss spending: groceries, meals out, utilities, transportation, and recurring fixed costs.
Upload receipts & utility bills
Receipts, PDFs, utility bills, statements, and exports — a broad document universe, not just JPG/PNG photos.
AI extracts & categorizes
OCR reads vendor, date, location, and amount, then suggests a category and claim period with a confidence note.
PA reviews & approves
The public adjuster approves each line, flags duplicates, and excludes weak items with a documented reason.
Reconcile by month
Net incurred expenses against the baseline and any prior payments for each claim period.
Generate carrier-ready report
Produce the Net ALE Reimbursement Requested with a monthly schedule, baseline schedule, and evidence binder.
Track payments & disputes
Log carrier payments against requested amounts and keep a running record of what's outstanding or in dispute.
The result
A clean monthly reconciliation, ready to submit.
Each claim period nets incurred expenses against the baseline and prior payments, with every line traceable to a source document in the evidence binder.
Monthly Reconciliation — Sample
Documented Additional Living Expense
| Category | Normal | Incurred | Net ALE | Status |
|---|---|---|---|---|
| Groceries | $640 | $415 | — | Approved |
| Meals out / delivery | $210 | $1,180 | $970 | Approved |
| Electric — temp residence | $0 | $188 | $188 | Approved |
| Laundromat | $0 | $96 | $96 | Approved |
| Pet boarding | $0 | $240 | $240 | Needs Review |
| Alcohol (non-covered) | — | $54 | $0 | Excluded |
Net ALE Reimbursement Requested
Period 02 · 6 categories · 1 excluded
$1,494
Illustrative sample. Figures are for demonstration only and do not represent an actual claim.
Frequently asked questions
Who creates the claim — the carrier or the public adjuster?+
The public adjuster creates the claim and invites the insured. LossLedger is policyholder-side: you own the workflow from setup to submission, unlike carrier-assignment tools.
What file types can the insured upload?+
Receipts as JPG, PNG, and HEIC, plus PDF receipts and scanned packets, utility bill PDFs, bank/credit-card statement PDFs, and CSV/XLSX exports. The goal is a broad document universe, not just phone photos.
Does AI decide what gets reimbursed?+
No. OCR extracts and categorizes to save time, but the public adjuster reviews and approves every line. Final coverage and payment decisions depend on the policy, the facts of loss, and carrier review.
How does the normal expense baseline work?+
Instead of a single daily figure, LossLedger captures category-level baselines — groceries, meals out, electric, water, transportation, laundry, and more — so the additional living expense is provable category by category.
Turn receipt chaos into a carrier-ready ALE reimbursement report.
See how LossLedger helps public adjusters document baselines, reconcile monthly living expenses, and produce PA-reviewed reimbursement packages.