# lossruns.claims

> The loss run, as a typed schema. An artifact door of the api.insure estate,
> in early access. The reference content on this door is free and keyless.

## What this site is

lossruns.claims is the reference page for the loss run: the carrier-issued
claims-history report on an insurance policy. It defines the document in plain
language, publishes a typed schema for it, and states honestly which parts of
the surface exist today (this reference) and which are roadmap (everything
callable). There is no live parser or API behind this door yet.

## The document

A loss run is the report a carrier's claims system produces on request, listing
every claim on a policy for a given term, valued as of a stated date. It is
demanded by underwriters at every renewal and market submission, because it is
the only claims evidence a new carrier accepts from the old one. Many US states
set a statutory deadline for carriers to produce loss runs on written request,
commonly 10 to 30 days; the exact rule varies by state.

Key semantics: paid is money actually issued; reserved is the carrier's
accounting estimate of what remains to pay (a reserve is carrier accounting,
not a promise); incurred is paid plus reserved, the number underwriting prices
on. A loss run is a point-in-time snapshot: open claims can still move after
the valuation date.

## The schema (free, keyless)

Typed shape of a parsed loss run. Full JSON Schema: /openapi.json under
components.schemas.LossRun.

- carrier (string): issuing carrier
- insured (string): named insured
- policy_number (string): policy the history covers
- term_start, term_end (date): policy period covered
- valuation_date (date): the date every figure is true as of
- claims[].claim_number (string)
- claims[].date_of_loss (date): occurrence date, not report date
- claims[].cause_of_loss (string): peril, e.g. wind_hail, water_damage, theft
- claims[].status (open | closed): open means figures can still move
- claims[].paid (money): dollars issued to date
- claims[].reserved (money): carrier's estimate of what remains to pay
- claims[].incurred (money): paid + reserved
- totals (object): paid, reserved, incurred, claim count, open count

## Agent surface (ALL ROADMAP, none callable yet)

- parse: a loss run PDF or AL3 file in, the typed schema out (ROADMAP)
- normalize: multi-carrier formats into the one shape above (ROADMAP)
- request: draft a loss-run request letter with the state's production
  deadline attached (ROADMAP)
- watch: renewal dates, so the request goes out before the market asks (ROADMAP)

None of these verbs is a reserved act: reading, parsing, and requesting a
document is open data-tier work in every state. The acts the state reserves,
such as the decision on a claim, live behind the reserved line at
https://api.insure.

## The kit

- /llms.txt: this file (live)
- /openapi.json: OpenAPI 3.1 stub; the LossRun schema is real reference
  content, every operation is tagged x-status roadmap and none is callable (live as a document)
- /mcp: FUTURE MCP endpoint, ROADMAP, not live. Planned tools: parse_lossrun,
  get_lossrun_schema, draft_lossrun_request
- /og.png: social card (live)
- /robots.txt: allow-all (live)

## Free tier promise

The discoverability layer is the free tier: this page, the schema, and this
file stay free and keyless.

## Status

Early access. No live service. The document rendered on the page is a
specimen with fictional data. Roadmap items are labeled ROADMAP. Contact:
hello@api.insure (subject: lossruns.claims early access).

## Links

- https://api.insure (the substrate: the insurance industry as one agent-first API)
- https://gigs.claims (supply side: licensed adjusters)
- https://acords.co (sibling door: ACORD form data fields)
- https://eobs.claims (sibling door: the EOB, health register)