Carrier Denial Letter · p.4
"Inspection found the observed conditions to be consistent with normal wear and weathering of the roof covering. No covered cause of loss was identified."
14 pages · 6 days to respond · indemnity at risk
For Public Adjusters · Appraisers · Restoration Pros
A claim file that fights for itself.
Same denial you've seen a hundred times. The response, drafted in nine minutes, with the policy section, the IICRC standard, and the code that actually move the file.
Exhibit
A · Before / After
Peril
Wind / Hail
Filed
2026-05-28
Outcome
Paid in full
Orach Council · CRAC Response · p.2
The "wear and weathering" finding is not supported by the inspection record. Photographs 4 to 11 show fresh hail bruising on south and west facing slopes, distinct from wear per Haag composition roof damage criteria. Coverage is preserved under the open perils dwelling form.
9 minutes · 4 citations · 30 days to payment
Open your first case file →14 days, no credit card, imports your existing book.
Inside the file
What you get when you open a case.
Tab A
Virtual Council Review
Six specialists pass every claim — coverage, damage, valuation, negotiation, settlement, posture. Each leaves a citation you can verify before you sign. A roundtable, not a chatbot.
Tab B
Money Pipeline
Carrier payments in, deductible holdbacks, depreciation released, attorney fees, PA splits. Cash flow by month. Watch your book actually settle.
Tab C
Carrier Correspondence
CRAC responses, scope rebuttals, and supplement requests that quote the policy language, reference the IICRC/IRC standard at issue, and stay in PA scope. Professional drafts you can sign, not generic prose.
Procedural timeline
A claim, from filed to paid.
- T + 0
File the claim
Drop in the policy, scope, photos, EUO transcript, and the denial letter. Drag in a folder of PDFs or import 100 claims from your old CRM via CSV in 60 seconds.
- T + 9 min
Council reads it
Six specialist agents pass the file. Coverage flags exclusions and ensuing-loss arguments. Damage compares scope vs carrier estimate line by line. Valuation cross-checks IICRC standards. Bad-faith watches the 60-day clock.
- Same day
Receive the deliverable
A claim-review packet. A draft response letter. A settlement strategy memo. Every claim cites the policy section, code, statute, or IICRC rule it relies on.
- Through close
Track money in and out
Carrier payments, deductible holdbacks, depreciation released, supplements, your fee split. The pipeline view shows what's open, what's settled, your cash flow by month.
Exhibit B · Comparison
Orach vs legacy PA software.
Feature
Orach
Legacy PA software
Virtual claim review
Six-specialist council with citations
Bolted-on chatbot or none
Money pipeline tracking
Built-in, every kind of payment
Not offered
Editable claim phases
Drag-and-drop per firm
Vendor-defined or paid migration
CSV import
90 seconds, auto-mapped
Sales-led data migration
Carrier correspondence
Drafts in PA scope, ready to sign
Generic templates
Side
Policyholder-only. Always.
Sometimes carrier-side too
File the first case
Try it on your hardest open denial.
14 days · no credit card · CSV imports your existing book in under a minute