By The Restoration HQ desk · · filed under Tech & AI
Texas regulators just put AI claims-handling on the table
Texas DOI issued a bulletin on AI use in claims, and it surfaced in a Badger-vs-Sigman debate at the NAPIA meeting in Dallas. The policyholder bar is arguing carriers can't use AI as a black box to deny or undervalue claims without disclosure.
FORAI in claims can finally make carrier decisions auditable. If they have to show the math, you get a paper trail to fight a lowball with.
AGAINSTThey sold you AI to speed up your scope, then quietly pointed the same tech at denying it. A black-box "no" is still a no, and now nobody has to sign their name to it.
Consensus vs. contrarianEveryone's talking AI as the estimator's copilot. The smarter take: the real AI story in restoration is on the carrier side of the table, and that's where the next decade of margin pressure comes from, get loud about disclosure before it's normalized.
Sources Merlin Law Group, Will Texas Let Insurers Hide Behind AI in Claims Handling? and Transparency Is the Price of AI Underwriting (published / 06-19)
Terms in this story: Supplement