{
  "name": "lossruns.claims",
  "url": "https://lossruns.claims/",
  "title": "lossruns.claims: the loss run as typed data for agents",
  "description": "The loss run is the carrier-issued claims history on a policy: carrier, policy, term, valuation date, and every claim with paid, reserve and incurred. A free typed schema, checks and an MCP server for agents.",
  "document": {
    "name": "Loss run",
    "schema": "LossRun",
    "definition": "A point-in-time report of every claim on a policy, valued as of one date, from the carrier that held it.",
    "facts": [
      {
        "label": "The numbers",
        "value": "Paid went out. Reserve is booked for the rest. Incurred is both."
      },
      {
        "label": "Issued by",
        "value": "The carrier that held the policy, from its claims system."
      },
      {
        "label": "Demanded by",
        "value": "Anyone pricing or buying the account, at every renewal."
      },
      {
        "label": "Valuation",
        "value": "Every figure is true as of one date. Open claims move after it."
      },
      {
        "label": "Deadline",
        "value": "Often due 10 to 30 days after a written request, by state."
      }
    ]
  },
  "fields": [
    {
      "field": "carrier",
      "type": "string",
      "meaning": "The issuing carrier: the only authoritative source.",
      "source": "Carrier claims system"
    },
    {
      "field": "insured",
      "type": "string",
      "meaning": "Named insured on the policy.",
      "source": "Carrier claims system"
    },
    {
      "field": "policy_number",
      "type": "string",
      "meaning": "The policy the history covers.",
      "source": "Carrier claims system"
    },
    {
      "field": "term_start · term_end",
      "type": "date",
      "meaning": "The policy period covered.",
      "source": "Carrier claims system"
    },
    {
      "field": "valuation_date",
      "type": "date",
      "meaning": "The date every figure is true as of.",
      "source": "Carrier claims system"
    },
    {
      "field": "claims[].claim_number",
      "type": "string",
      "meaning": "The carrier's claim identifier.",
      "source": "Carrier claims system"
    },
    {
      "field": "claims[].date_of_loss",
      "type": "date",
      "meaning": "When the loss occurred, not when reported.",
      "source": "Carrier claims system"
    },
    {
      "field": "claims[].cause_of_loss",
      "type": "string",
      "meaning": "Peril code: wind_hail, water_damage, theft.",
      "source": "Carrier claims system"
    },
    {
      "field": "claims[].status",
      "type": "open | closed",
      "meaning": "Open figures can still move.",
      "source": "Carrier claims system"
    },
    {
      "field": "claims[].paid",
      "type": "money",
      "meaning": "Dollars issued to date.",
      "source": "Carrier accounting"
    },
    {
      "field": "claims[].reserve",
      "type": "money",
      "meaning": "Booked estimate of what remains to pay.",
      "source": "Carrier accounting"
    },
    {
      "field": "claims[].incurred",
      "type": "money",
      "meaning": "Paid plus reserve: what underwriting prices on.",
      "source": "Derived"
    },
    {
      "field": "totals",
      "type": "object",
      "meaning": "Sums and counts across the report.",
      "source": "Derived"
    }
  ],
  "verbs": [
    {
      "verb": "parse",
      "title": "Read the PDF",
      "does": "A PDF or AL3 file in, a typed LossRun out, from any carrier.",
      "call": "POST /parse",
      "access_key": true
    },
    {
      "verb": "check",
      "title": "Check the figures",
      "does": "Every claim ties out: incurred is paid plus reserve.",
      "call": "validate_lossrun",
      "access_key": false
    },
    {
      "verb": "request",
      "title": "Request a fresh run",
      "does": "A request letter to the carrier, addressed and ready to send.",
      "call": "draft_lossrun_request",
      "access_key": false
    },
    {
      "verb": "explain",
      "title": "Explain any field",
      "does": "What a figure means and what moves it after valuation.",
      "call": "explain_lossrun_field",
      "access_key": false
    }
  ],
  "mcp": {
    "url": "https://lossruns.claims/mcp",
    "transport": "streamable-http",
    "tools": [
      {
        "name": "get_lossrun_schema",
        "description": "The JSON Schema (2020-12) for the loss run: every field, its type and what it means. Also served at https://lossruns.claims/schema.json."
      },
      {
        "name": "get_lossrun_example",
        "description": "A complete, valid example LossRun record with fictional values. Also served at https://lossruns.claims/example.json."
      },
      {
        "name": "explain_lossrun_field",
        "description": "What one field of the loss run means, its type, and where the value comes from. Accepts paths like claims[].incurred."
      },
      {
        "name": "validate_lossrun",
        "description": "Check a LossRun record against the schema, then run the document's own checks (sums, dates). Returns valid (the shape matches), consistent (every check passes too), errors (schema) and warnings (checks). Nothing is stored."
      },
      {
        "name": "draft_lossrun_request",
        "description": "Draft a loss-run request letter to the carrier that held the policy, for currently valued runs covering the past N policy years. Returns the subject, the letter text and notes. Nothing is sent; the insured or the agent of record sends it."
      }
    ]
  },
  "faq": [
    {
      "q": "What is a loss run?",
      "a": "A carrier's report of every claim on a policy for a term, with paid, reserve and incurred, valued as of a stated date. Underwriters ask for one at every renewal."
    },
    {
      "q": "How many years do underwriters want?",
      "a": "Usually three to five, valued recently. Open claims move after the valuation date, so markets ask for a fresh run."
    },
    {
      "q": "How do I get a loss run?",
      "a": "The insured or the agent of record asks the carrier in writing. Many states set a 10 to 30 day deadline; rules vary. The draft_lossrun_request tool writes the letter."
    },
    {
      "q": "Is the schema free?",
      "a": "Yes, with no key: the schema, the example, the checks and the MCP tools. Parsing documents needs an access key."
    }
  ],
  "links": {
    "schema": "https://lossruns.claims/schema.json",
    "example": "https://lossruns.claims/example.json",
    "openapi": "https://lossruns.claims/openapi.json",
    "llms": "https://lossruns.claims/llms.txt",
    "llms_full": "https://lossruns.claims/llms-full.txt",
    "markdown": "https://lossruns.claims/index.md",
    "agents": "https://lossruns.claims/.well-known/agents.json",
    "sitemap": "https://lossruns.claims/sitemap.xml",
    "request_access": "https://lossruns.claims/#access"
  },
  "family": [
    {
      "url": "https://api.insure",
      "what": "the insurance industry as one agent-first API"
    },
    {
      "url": "https://gigs.claims",
      "what": "flat-fee claim files for licensed adjusters"
    },
    {
      "url": "https://acords.co",
      "what": "loss-notice data fields as a typed model"
    },
    {
      "url": "https://eobs.claims",
      "what": "the Explanation of Benefits as typed data"
    }
  ],
  "updated": "2026-10-09"
}