Oak
the claims counselA claims organisation already holds the exact record of every claim it has ever closed. Oak learns from that history, inside your own network, and puts it in front of the adjuster at the moment a number is chosen — a calibrated range, a litigation-risk signal, and the comparable closed claims that justify both.
The history never reached the desk
Every closed claim carries its demand, its indemnity, its expense, whether suit was filed, and how long it took. The adjuster deciding today's claim reaches almost none of it — a reserve is set from memory within days, and that number anchors everything that follows.
Oak brings the organisation's own settlement history to the moment the number is chosen. Not an opaque score: inspectable evidence, from your own book.
Advisory, by construction
Oak never sets a reserve, never issues an offer, never contacts a claimant, and never moves money. It holds no credentials to any system that could. A named person takes every action with a financial consequence, and Oak records what it showed them.
Under- and over-reserved claims are flagged by the same code path with equal prominence. There is no knob, anywhere, that tilts the output toward a payout target.
- 01
A range, never a bare number
Resolution value arrives as a calibrated interval with a stated coverage level. A single figure becomes an anchor, and an anchor becomes a floor — so Oak never shows one alone.
- 02
Comparable closed claims
Five to ten genuinely comparable claims from your own history, with the drivers pushing this one above or below them. No score renders without its evidence in the same view.
- 03
Litigation risk and time to close
The likelihood of suit or attorney representation, and the expected time to resolution — each scored at the claim's maturity, and each honest about which maturity it came from.
- 04
A symmetric worklist
Supervisors see which open claims are mis-reserved in both directions, and every prediction ever shown can be regenerated exactly from its logged inputs and model version.
Justice was once given under an oak. Kings and village elders sat beneath the tree to hear disputes, and its rings hold a legible record of every season it stood through.
Oak reads the rings of a claims book — every case it has closed — and offers that record as counsel, with the strength to say so and the restraint never to decide.