Built entirely for the claimant side.
60,620 carrier conduct records. 6-pillar intelligence platform. No competitor has this combination.
LossIntel Inc. is a Florida-based AI company that turns claims intelligence into outcomes — for consumers, licensed adjusters, and enterprise partners.
In 2024, three hurricanes struck Sarasota, Florida in 99 days — Debby in June, Helene in September, and Milton in October (Cat 5 at peak in the Gulf). Founder Stuart Nixdorff's property was in the direct path of all three. The carrier's first offer: $23,266.
He built the AI himself — document extraction, damage classification, settlement benchmarking against 60,620 carrier conduct records, statutory analysis, FEMA and SBA eligibility modeling. Total recovery to date: $1,352,367 across insurance, FEMA, and SBA. A 58× ratio on the first offer. The negotiation is still active.
That 58× gap — and the thousands of hours of documentation, calls, and appeals it required — is the entire product thesis. The information asymmetry between carriers and claimants is structural. LossIntel closes it.
LossIntel is pursuing FL Public Adjuster Firm Licensure to operate ClaimRestored as a direct licensed AI-native advocate — not a software layer on top of traditional PAs, but their AI-native successor. The model: AI does 95% of the work, a licensed PA supervisor validates and signs. One supervisor, 50–100× the throughput of a solo traditional PA.
Yes. Ten select alpha users are live on the platform today with real underpaid Florida property claims in active review. 1,000 synthetic users validated the full pipeline — intake through evidence package — for QA and benchmarking accuracy. Mobile FNOL live: under 15 minutes from first notice of loss to a complete evidence-grade package. Public launch opens with the Founding 500 Florida storm survivor cohort.
LossIntel is not a regulatory arbitrage play. It is a structural market inefficiency — and three external forces are converging to make this the right moment to close it.
Post-Ian legislative reforms (SB 2A, HB 837) restructured the FL property claims landscape — tightening AOB restrictions, introducing a 60-day cure period under §624.155, and reshaping the public adjuster market. The window to build the definitive claimant-side intelligence platform is open now.
State-of-the-art agentic AI powers all 10 pipeline agents. ViT-L/14 damage classification, statutory state machine, and ML-based settlement benchmarking all run at near-zero marginal cost. Intelligence that formerly cost $300–$500/hour is now accessible to every homeowner.
Hurricanes, wildfires, tornadoes, water intrusion, hail, fire — the claim event changes, the carrier playbook doesn't. Low-ball. Delay. Deny. Whether it's Ian making landfall or a kitchen fire at 2am, policyholders face the same information gap against a carrier with 100× their data. Ian, Idalia, Debby, Helene, Milton gave Florida three hurricanes in 99 days in 2024 — but LossIntel's market isn't seasonal. It's every claim, every peril, every year.
Every claim package LossIntel produces gets human review before it goes anywhere. Where a claim calls for licensed representation, that work is coordinated with licensed Florida public adjusters; LossIntel's own Florida public adjusting firm licensure application is in progress. Florida Bar Advisory Opinion 24-1 provides that generative AI may not independently negotiate claims or render advice.
No equivalent requirement applies to carriers. CS/CS/HB 527 — which would have required a qualified human professional to independently review any AI-driven claim denial or reduction — passed the Florida House 108–0 on 5 March 2026. Its Senate companion, SB 202, sat in the Banking and Insurance Committee for five months without receiving a hearing. Both died on 13 March 2026.
We build to the standard the legislature proposed. The other side of the table is not required to.
CS/CS/HB 527, “Mandatory Human Reviews of Insurance Claim Denials,” passed the Florida House 108–0 on 5 March 2026 and died in Senate Rules on 13 March 2026. SB 202, the identically titled Senate companion, was filed 15 October 2025, referred to Banking and Insurance on 3 November 2025, and died there on 13 March 2026 without receiving a committee hearing. Fla. Stat. §626.112 requires licensure of any person acting as an insurance adjuster. Florida Bar Advisory Opinion 24-1 addresses the use of generative AI. Bill records: flsenate.gov. Verified 31 July 2026.
In January 2026, Mighty completed the first documented AI-to-AI insurance claim settlements. Pactum AI has autonomously negotiated $140.5 million in commercial deals. LossIntel's trajectory: AI-powered evidence packaging today → agent-to-agent carrier negotiation by 2027–2029 → no-haggle settlement equilibrium thereafter. The mechanism is economic: contested claims cost carriers 3–4× standard claims. When both sides deploy AI, the rational outcome is faster, fairer settlement. LossIntel is building the claimant-side AI that makes that equilibrium inevitable.
LossIntel Inc. deploys the same proprietary Claims Knowledge Graph and AI pipeline through two purpose-built brands — each optimized for a distinct segment and distribution model.
BlindEye is LossIntel's continuous insurance research engine and the proprietary moat. Six data pillars. Ten AI agents. 10.8M FL parcels with 34 attributes each. 60,620 carrier conduct records. 11 live API integrations. The carrier has had this infrastructure for a decade. Now the policyholder does too.
The CKG is not a database — it's the ground truth layer. Every claim runs through AI policy parsing to find what the carrier owes, ViT damage classification to document what happened, and ML-based settlement benchmarking to prove the gap.
Verisk, CoreLogic, and Tractable all serve carriers. Traditional PAs and plaintiff attorneys are low-tech. LossIntel occupies the only unoccupied position in the market — high-tech, AI-native claimant advocacy.
Every resolved claim enriches the CKG. Carrier settlement patterns, underpayment ratios by zip code, and regulatory timelines create a compounding data advantage. A competitor starting today faces a dataset gap that compounds with every claim LossIntel closes — not just today's 60,620 records, but every record added going forward.
46.7% of Florida homeowner claims closed with zero payment in 2024 (Weiss Ratings, from NAIC data) — up from 25.7% in 2004. Every one of those claimants is a potential LossIntel user. The market compounds with every hurricane season.
Sources: U.S. P&C premiums (AM Best / S&P Global, 2024). FL claims volume (FL DFS Annual Reports, 2022–2026). Zero-payment claim rate (Weiss Ratings, 2024). Dispute value derived from FL DFS complaint data and NAIC market conduct reports. Year 1 SOM based on SW Florida beachhead: Lee, Collier, Sarasota, Broward counties.
A moat no purely-technical competitor can replicate — and a head start no one can buy.
BlindEye publishes state-and-disaster-specific fiction novels as cultural acquisition and stakeholder pressure infrastructure. Each book is anchored on a real catastrophic event, a real insurer pattern, and a real claims outcome. The first novel — Blind Eye — is set in Florida during the 2024 hurricane sequence. Stuart Nixdorff, author.
Six novels in three years. Hurricane Milton (FL) · Camp Fire & Eaton Fire (CA) · Tornado Alley · Hurricane Harvey (TX) · Hurricane Ida (Northeast) · Helene / Idalia (FL Panhandle). Owned IP for LossIntel Inc. Published under the BlindEye brand.
Each novel functions simultaneously as customer acquisition, regulatory pressure, and cultural moat. A reader who finishes Blind Eye understands carrier bad faith, public adjuster leverage, and their own rights as a policyholder — and knows exactly where to go. No purely-product competitor can replicate this on the timeline we already have.
LossIntel Inc. is actively seeking institutional investors, strategic partners, and press or regulatory engagements.
