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The claim is open before your office is.

Policyholders report a loss and hang up with a claim number, the photos on the file, the adjuster briefed and the inspection booked.

Free · about 30 seconds · no sign-up · preview calls are recorded

Talk to Harbor Ridge Insurance

Live demo agentCalls are recorded.

One claim file, from the first notice to the inspection booked

Harbor Ridge Insurance, Claim file

Example

Avery MorganHO⁠-⁠4187552, Homeowners

Claim file, by stage

Phoneconfirmed

Read back to Avery, 11:21 PM

  1. A tree limb came through your garage roof in tonight’s wind. Confirmed.
  2. You found it at 11:02, and everyone is out of the garage. Confirmed.
  3. The roof and a side window are damaged; your car wasn’t hit. Confirmed.
  4. No one was hurt. Confirmed.

Avery “Yes, that’s everything.”

6 photos, Received by text, 11:19 PM

  1. Garage roof, from the drive
  2. The limb on the roof
  3. Side window
  4. Garage ceiling
  5. The car, not hit
  6. The tree’s base

Same callopened

Claims system

CL-20931Open

Loss: Wind · tree limb through the garage roof

Policy: HO⁠-⁠4187552 · Coverage A, dwelling

Reported: By the insured, by phone

Photos: 6, attached from the text thread

Asked: Deductible · to R. Whitcomb, licensed agent, briefed

Mitigation: Roof tarp crew booked · Mon 7:00 AM

Text to Avery, 11:24 PM

Harbor Ridge: your claim number is CL-20931. A crew arrives Mon at 7:00 AM to tarp the garage roof.

AssignmentBrief sent

To
T. Albright · field adjuster
Re
CL-20931 · wind loss, 1418 Sable Road

Oak limb through the garage roof in Sunday’s storm, found at 11:02 PM. Roof decking and one side window damaged; the car inside wasn’t hit, no injuries. Tarp crew on site 7:05 AM.

Attached, 4

  • Claim recordCL-20931
  • Call recording6:20
  • TranscriptSun 11:15 PM
  • Photos6

Outbound callbooked

T. Albright · this week

  1. Mon
    1. 9:00CL-20874Reinspection
    2. 1:00CL-20902Hail, roof
  2. Tue
    1. 8:00CL-20899Auto, rear
    2. Booked on this call: 10:00A. MorganInspection
    3. 1:00CL-20911Siding
  3. Wed
    1. 8:00Hail routeThree roofs
    2. 2:00CL-20915Fence line
  4. Thu
    1. 10:00OfficeEstimates
  5. Fri
    1. 9:00CL-20880Final walk
    2. 12:00CL-20927Wind, porch

On the call

Offered: Tue 10:00 AM or Thu 2:00 PM

Booked: Tue 10:00 AM–12:00 PM

Text to Avery, 9:10 AM

Harbor Ridge: your inspection is booked for Tue at 10:00 AM with T. Albright at 1418 Sable Road.

Opens the claim in Guidewire and Duck Creek.

2 calls 10 min 40 s of AI time × $0.156/min = $1.66

PII redaction you set per agent, encryption in transit and at rest, and conversations stored in the United States.How policyholder data is kept

For agencies

Certificates go out before the call ends.

Holders added, ID cards sent, billing dates answered and policy changes taken for your team, each one logged to the client’s account.

Mon 9:46 AM, Phone, Quarry Hill Landscaping“The Westgate HOA needs our certificate before we start Thursday, with them as additional insured.”

Certificate of liability insurance

Date 09/28/2026

Producer

Ashgrove Insurance Agency

Commercial lines

Insured

Quarry Hill Landscaping LLC

6120 Tolland Road

Dublin, OH 43017

Insurer

Harbor Ridge Insurance Company

Writes all four policies

Coverages
Type of insuranceAddl insdPolicy numberEffectiveExpiresLimits
Commercial general liabilityCertificate holder is additional insured1CGL 773021404/01/202604/01/2027
Each occurrence
$1,000,000
General aggregate
$2,000,000
Automobile liabilityBA 773021504/01/202604/01/2027
Combined single limit
$1,000,000
Umbrella liabilityUMB 773021604/01/202604/01/2027
Each occurrence
$2,000,000
Workers’ compensationWC 773021704/01/202604/01/2027
Each accident
$1,000,000
Also on the certificate: automobile, umbrella and workers’ compensation.

Description of operations

Lawn and grounds maintenance at Westgate Commons. The certificate holder is an additional insured on the general liability policy.

Certificate holder1

Westgate Commons HOA

50 Commons Way

Dublin, OH 43016

Emailed to the holder, 9:49 AM2

Authorized representative Ashgrove Insurance Agency

Harbor Ridge InsuranceAuto ID card3

Quarry Hill Landscaping LLC

2023 Ford F⁠-⁠350, Crew truck

Policy: BA 7730215

Effective: 04/01/2026 – 04/01/2027

  1. 1Holder addedChecked against the policy’s additional-insured terms, then added in the agency system while the owner waited.
  2. 2SentEmailed to the HOA’s manager at 9:49 AM, and filed to the client’s account.
  3. 3ID cardThe crew truck’s ID card went to the owner by text on the same call.

Issues certificates from Applied Epic, Vertafore AMS360 and HawkSoft.

Your adjusters adjust. Your producers sell.

Zumu finishes the routine on the call; coverage questions reach your licensed agents, briefed.

CL-20931 · Open

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