Smarter Mitigation Reviews.More Confident Claim Decisions.
MitScore™ brings AI-assisted claim triage and estimate auditing together with access to Certified MitScore Reviewers—helping adjusters evaluate mitigation invoices, identify supported charges, and address questioned amounts with expert review when needed.
Powered by MitScore™ Certified Audit Methodology
Evidence Based. Adjuster Control. Expert Support.
From initial triage to deeper review, MitScore™ helps adjusters understand the file, evaluate the charges, and determine the next step.
Evidence-Based
MitScore™ compares mitigation estimates and invoices with the supporting documents provided, including drying logs, moisture readings, photographs, and project records. Findings identify documentation gaps, inconsistencies, and charges needing further support—with explanations tied to the available evidence.
Adjuster-Controlled
The adjuster reviews the findings and decides how to proceed: request additional documentation, consider payment of supported charges, or refer unresolved questions for human review. MitScore™ supports professional judgment; it does not make coverage decisions or final payment determinations.
Expert Review When Needed
When a file needs closer examination, Certified MitScore Reviewers provide a human-led Light Review or Full Certified Audit. Reviewers evaluate the documentation, examine questioned charges, and provide findings to support contractor discussions and claim resolution.
Understanding the MitScore™ Scale
MitScore™ evaluates mitigation documentation risk on a 300–850 scale to help identify which files appear supported and which should be escalated for further review.
300–649
High Risk
Full Review Recommended
650–749
Moderate Risk
Light Review Recommended
750–850
Low Risk
Pay With Confidence
What MitScore™ Reviews
Score ranges are based on documentation completeness and S500 reference criteria. MitScore™ does not make coverage decisions, legal conclusions, or payment determinations.
Two Review Paths
MitScore™
AI-Powered Early File Risk Indicator
MitScore™ is designed to quickly evaluate a water mitigation file and identify whether the documentation, estimate support, drying records, photos, equipment usage, and invoice details appear complete and defensible.
It provides a clear file risk signal to help determine whether the file appears ready for payment consideration, needs a light review, or should be escalated for a deeper audit.
Best for:
- Early file triage
- Identifying documentation gaps
- Flagging unsupported mitigation charges
- Determining whether a full audit may be needed
- Helping claim teams prioritize review resources
MitScore™ Certified Audit
Human-Led Mitigation File Audit
A MitScore™ Certified Audit is a detailed mitigation file review completed by a MitScore™ Certified Auditor. This audit applies certified review standards, mitigation documentation expectations, ANSI/IICRC S500 considerations, Xactimate review experience, and professional reviewer judgment.
This review is designed for files that require deeper analysis, settlement support, defensibility, and a clear professional audit position before payment consideration.
Best for:
- High-risk mitigation files
- Large or complex losses
- Files with unsupported scope or charges
- Disputed invoices or settlement review
- Claims requiring a professional audit position
Review Path
Purpose
AI-powered early file risk indicator used to flag files that may need additional review.
Human-led mitigation file audit completed by a MitScore™ Certified Auditor.
Sample MitScore™
Report Preview
MitScore™ presents a clear file risk signal, category-level findings, key documentation concerns, and recommended next steps in a professional report format.
MitScore™
Mitigation File Triage Report
Powered by MitScore™ Certified Audit
Report Date: June 18, 2026
Documents Reviewed: 3
Internal Carrier Use Only
Claim Information
Insured / Claimant
Claim Number
Carrier
Contractor
—
Date of Loss
—
Internal Use Only
This report is for internal carrier review only and should not be distributed to contractors, policyholders, or outside parties.
MitScore™ Assessment
MITSCORE
Recommendation
Full Audit Recommended
This file should receive a full mitigation review before it is relied upon.
Top Score Drivers
Sprinkler discharge correctly categorized as Category 2 with contaminant potential
Readings log '99' (saturated) for every material on every visit with no intermediate trend
4 dehumidifiers and 18+ air movers billed for 7 days; GPP values inconsistent with drying
Uniform 7-day billing across all rooms; 4-day monitoring gap cannot be confirmed
Demolition across nearly every room; some areas lack moisture readings to support scope
Understand the Charges. Identify What Needs Review.
MitScore™ compares the mitigation estimate with the supporting documents to identify documentation gaps, charges needing clarification, and amounts in question. Findings help the adjuster determine what needs additional support or human review.
Automated findings support professional review. Final payment decisions remain with the adjuster.
MitScore™ AI Claim Assistant
An AI assistant that understands the claim file — not just a generic chatbot.
The MitScore™ AI Claim Assistant helps adjusters ask file-specific questions, organize call notes, review estimate concerns, and generate professional claim documentation based on the information connected to the claim.
MitScore™ AI Assistant
Claim #WC-48217
642
/ 850
Key Concerns
Generate a professional file note from my contractor call.
Discussed mitigation documentation with the contractor. Additional drying logs, photo support, and equipment justification were requested for review.
Claim-Aware Chat
Ask questions based on the claim details, uploaded documents, MitScore™ findings, and review concerns.
Call Note Review
Enter rough call notes after speaking with a contractor, insured, vendor, or public adjuster. The assistant helps turn those notes into a clean claim file summary and follow-up list.
Not live call recording. Notes are manually entered by the adjuster.
Estimate Audit Support
Identify unsupported mitigation line items, documentation gaps, estimate concerns, and invoice alignment issues.
Professional Note Generator
Generate reviewer notes, contractor communication notes, documentation requests, estimate review notes, and claim file summaries.
The MitScore™ AI Claim Assistant is designed for claim review support only. It does not make coverage decisions, legal conclusions, or final payment determinations. All AI-generated notes should be reviewed by the adjuster before use.
Frequently Asked Questions
MitScore™ is a water mitigation file risk scoring system designed to help insurance professionals identify files that may need additional review before payment consideration. MitScore™ combines AI-assisted file intelligence, proprietary mitigation audit rules, documentation review logic, human review judgment, and certified audit standards to evaluate mitigation file risk.
MitScore™ helps identify the risk. A MitScore™ Certified Audit helps support a clearer, more defensible review position.