What Brelly Does
Brelly is a claims management platform that combines document intelligence with AI-powered analysis. You upload your claim documents — policies, estimates, inspection reports, carrier correspondence — and Brelly reads everything, extracts structured data, and gives you an AI co-pilot that knows your entire claim.
The platform is built for public adjusters, contractors, policyholders, and attorneys working insurance property claims.
Your Claim Workspace
Every claim in Brelly is a workspace with these sections, accessible from the left sidebar:
Overview
Your claim's home page. Shows claim details, financial summary, contacts, and carrier/policy information across organized tabs. Brelly auto-populates property features, storm history, and market data from your property address.
Files
Where your claim documents live. Upload policies, inspection reports, carrier letters, engineer reports, photos, and any other claim document. Supports PDF, DOC, and DOCX files. Co-Pilot reads these to answer questions, generate reports, and draft communications.
Financials
Your financial command center with six tabs:
Overview — Financial dashboard with key metrics and coverage tracking
Estimates — Import policyholder and carrier estimates with AI line-item extraction
Reconcile — Side-by-side comparison of your estimates vs. the carrier's, grouped by category with dollar differences at every level
Contents — Track contents items (personal property)
Expenses — Track claim-related expenses
Payments — Record and allocate carrier payments to specific line items
Timeline
Track claim activity over time. Includes system audit logs (automatic), custom claim events (milestones you add), and claim notes (observations). Use this to document delays, track adjuster communication dates, and build a chronological record of your claim.
Conversations
Log and organize communication with stakeholders — adjusters, carriers, contractors, clients, attorneys. Co-Pilot reads these to understand the full context of your claim when generating analysis or drafting responses.
Notes
Add context that isn't in a document — email excerpts, phone call summaries, observations, information about documents you haven't received yet. Co-Pilot reads Notes the same way it reads uploaded files.
Co-Pilot
Your AI assistant. Open Co-Pilot from the sidebar to ask questions about your claim, generate analysis, draft communications, and compare estimates. Co-Pilot reads everything in your workspace — files, notes, conversations, estimates, timeline — to give you informed answers.
Import Estimates and Compare Them
One of V4's most powerful features. Instead of just uploading an estimate PDF and asking Co-Pilot about it, you can now import estimates through the Financials section:
Import Estimate — Upload an estimate PDF and Brelly's AI extracts every line item automatically (descriptions, quantities, unit costs, totals, categories)
Review extracted items — Approve, modify, or reject each extracted line item to ensure accuracy
Reconcile — Open the Reconcile tab to see your estimate next to the carrier's, grouped by category with calculated differences at every level
Track payments — Record carrier payments and allocate them to specific approved line items
Assign coverage buckets — Map categories to your policy's coverage structure (Dwelling, Other Structures, Contents, Loss of Use)
This gives you a structured, data-driven view of the financial gap between what you're requesting and what the carrier has approved — down to the individual line item.
For detailed estimate comparison guidance, see "How to Compare Estimates in Brelly."
What Co-Pilot Can Do
Co-Pilot isn't a generic chatbot — it's connected to specialized agents, each focused on a different aspect of your claim:
Financial Analysis
Compare policyholder and carrier estimates with per-category dollar differences
Identify coverage gaps and uncovered line items
Calculate total requested vs. approved vs. paid amounts
Generate financial summaries for demand letters
Document Analysis
Summarize long documents (engineer reports, policies, carrier correspondence)
Extract specific information from uploaded files
Cross-reference documents — e.g., compare what the engineer report says vs. what the carrier denied
Annotate and mark up PDF documents
Communications
Draft supplement requests citing specific line items and dollar amounts
Generate rebuttal letters referencing engineer reports and policy language
Create client updates explaining claim status in plain language
Draft demand letters with financial exhibits
Property Assessment
Pull property features, building permits, comparable properties, and storm history from your address
Inform damage assessments with external data
Claim Management
Update claim details, contacts, and policy information
Add timeline events and notes
Track communication history across stakeholders
Best practice: Be specific when you ask Co-Pilot for something. Reference your documents by name, state what you'll use the output for, and mention the specific categories or items you care about.
For prompting strategies, see "How Claim Copilot Thinks and How to Get the Best Results."
Key Workflows
Running a claim from upload to settlement:
Create a claim and upload all documents to Files
Import estimates through Financials > Estimates (both yours and the carrier's)
Review extracted line items for accuracy
Use the Reconcile tab to identify the financial gap
Ask Co-Pilot to draft a supplement request for denied or reduced items
Upload carrier responses as they come in — Co-Pilot incorporates new information immediately
Track payments and allocate them to line items as checks arrive
Analyzing a carrier denial:
Upload the denial letter and your policy to Files
Ask Co-Pilot: "What reasons did the carrier give for denying my claim, and what does my policy say about those reasons?"
Upload your engineer report or inspection photos
Ask Co-Pilot to draft a rebuttal citing the evidence that contradicts the denial
Preparing for an appraisal:
Import all estimates (originals and supplements from both sides)
Use the Reconcile tab to establish the total gap with per-category breakdown
Ask Co-Pilot to summarize the disputed categories for your appraisal brief
Use the Timeline to document the full history of carrier delays and communications
Role-Based Tips
Public Adjusters:
Your core workflow: import estimates, reconcile, identify gaps, draft supplements. Co-Pilot's financial analysis and communication drafting are built for this. Upload carrier correspondence the moment you receive it so Co-Pilot always has the latest picture.
Contractors:
Focus on Files, Estimates, and the Reconcile tab. Import your scope and the carrier's Xactimate to compare line by line. Stay UPPA-compliant — use Co-Pilot for scope accuracy and discrepancy documentation, not coverage arguments.
Policyholders:
Upload everything you receive from your insurance company, even if you don't understand it. Co-Pilot can explain any document in plain language and tell you what steps to take next.
Attorneys:
Well-organized claim files strengthen your case. Use the Financials section for structured exhibit data, the Timeline for chronological documentation of carrier conduct, and Co-Pilot to draft demand letters backed by specific financial evidence.
If You Need Help
Ask Co-Pilot about any feature: "How do I import an estimate?" or "What can you help me with?"
Ask Fin for quick answers about navigation or features
Use the Support chat (sidebar or chat bubble) to reach the Brelly team
Join a live session — check the Brelly Skool calendar for times