Part of the ClaimsIQ platform
PropertyIQ

Every stage of a property claim.
Intelligently handled.

Five tools covering first notification to final settlement, plus HubIQ — one page per claim where every finding lands. Each one built for a specific decision point. All connected, all browser-side, all defensible.

Request a demo → See the tools
£9m+
Estimated annual saving for a mid-size insurer handling 40 notifications a day
40%
of contractor invoices are overpriced — CostIQ catches every one
680+
Trade rates independently compiled and updated quarterly
0
Bytes of claim data that ever leave the browser
The five tools — in the order a claim flows through them
73%
of claims leakage originates at first notification
First notification
FNOLIQ
Guides handlers through first notification — live call coaching or written notification parsing. Captures everything that matters at the point it's cheapest to capture it.
Beat-by-beat live call coaching — cause-adaptive questioning
Written notification AI parse — auto-populates structured fields
Vulnerability identification at first contact — Consumer Duty compliant
Direct handoff to RouteIQ with all data pre-loaded
Open FNOLIQ →
→ Hands off to RouteIQ — all FNOL data pre-loaded, no re-entry
↓
15%
of claims are mis-routed — costing £3,200+ each in excess handling
Claim routing
RouteIQ
Weighted scoring engine assesses complexity, fraud risk, and value — producing a clear routing recommendation. Eliminates gut-feel routing that sends the wrong claims to the wrong handlers.
Weighted scoring across 14 data points — Assessment, Demand, Validate
Hard overrides for fatality, fraud indicators, £100k+ claims
Three outcomes: Desktop handling, Appoint Specialist, Escalate
AI sense check — plain English second opinion on the routing decision
Open RouteIQ →
→ Desktop handling routes to CostIQ — claim details pre-populated
↓
40%
of contractor invoices are overpriced — CostIQ catches every line
Cost benchmarking
CostIQ
Handler pastes a contractor invoice. CostIQ benchmarks every line against independently compiled 2025/26 UK trade rates and flags overpriced or suspicious items before any settlement is agreed.
680+ trade items benchmarked — updated Q1 2026 at TPI 103.8
12 UK regional multipliers — London to rural, correctly applied
AI parses contractor invoices — no manual line entry needed
ACCEPT / QUERY / DISPUTE / REVIEW flags per line — defensible position
Open CostIQ →
→ If AA or BI involved, route to AAIQ or BIQ
↓
1 in 5
property claims involves alternative accommodation — often unmanaged
Alternative accommodation
AAIQ
When a property is uninhabitable, AAIQ finds suitable accommodation, tracks spend against the policy limit, and calculates disturbance allowance — all in one place.
Live accommodation search — hotels and serviced apartments near postcode
Suitability scoring — household composition, pets, mobility, parking
Spend velocity tracker — green/amber/red vs AA limit
Disturbance allowance auto-calculated to ABI guidance rates
Open AAIQ →
↓
#1
most mis-settled claim type — BI is complex, BIQ makes it accessible to any handler
Business interruption
BIQ
Run a full BI assessment on gross revenue or gross profit basis. Sector benchmarking, full workings, a settlement figure you can defend — without needing to be a BI specialist.
Revenue and gross profit basis — both fully covered
Document gate — visual Excel guides showing what good looks like
GP rate benchmarked against sector norms — flags if outside range
AI Sense Check — plain English second opinion on the settlement
Open BIQ →
Hub
where every claim lives
PropertyIQ · Included
HubIQ
One page per claim. Every finding from every tool, the full reasoning trail, and a single cross-tool AI review that reads across the lot — APPROVE, QUERY, or DISPUTE — with the gaps it sees.
One claim, one page — every tool's findings together
Cross-tool AI review — flags what single tools can't see
Included with every PropertyIQ subscription
Expert
on demand
PropertyIQ · Included
ReferIQ
When the handler doesn't know what to do next. ReferIQ reads the file like an expert loss adjuster and gives the characterisation, the next moves, and where the claim should be in 2/4/6 weeks. The expert in the room when you need one — without queueing for one.
Reads every finding, prompt, and activity entry
Names the next move and sets the trajectory — not just analysis
Re-check button — auto-prompts you when the next deadline hits
The pipeline

Every tool connects to the next

Data captured at FNOL flows into RouteIQ. RouteIQ feeds CostIQ. No re-entry, no information lost between handoffs.

01
FNOLIQ
Captures cause, property, severity, welfare, BI, AA at first contact
→
02
RouteIQ
Receives FNOL data, scores the claim, produces a routing decision
→
03
CostIQ
Benchmarks contractor costs — every line against 680+ trade rates
→
04
AAIQ
Finds accommodation, tracks spend, calculates disturbance
→
05
BIQ
Calculates BI settlement on revenue or gross profit basis
Claim data never leaves the browser
All claim processing happens browser-side. No claim data is sent to any server, stored in any database, or transmitted anywhere.
GDPR by design
PII scanning built into every text field. Tools flag and strip personal data before it can be entered or processed.
Handler accountability maintained
Every tool supports the handler — it does not replace them. All outputs are presented as recommendations for review, not automated decisions.
Consumer Duty aligned
Vulnerability identification at first contact. Defensible settlement positions at every stage. Built for FCA Consumer Duty compliance.

Ready to see it in action?

We run demos for claims teams at insurers and TPAs. Bring a real claim — we will walk through it live.

Request a demo → See pricing