T
TONY
From months to days.
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From months to days.
Choose a view to explore the demo
🏡

Homeowner

Document your home, file & track a claim, replace what's lost

›
📋

Adjuster

Review claims, apply depreciation & deductible, approve payout

›
⊞

Carrier

See your whole book, claims pipeline, and impact metrics

›
Prototype · simulated data
HOMEOWNER
From months to days.
The closed-loop claims platform. Catalog your home before disaster — so your claim is already done when it matters.
Early access is invite-only. Request a spot
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◆ ERIE & NIAGARA INSURANCE · CARRIER PORTAL
Book overview
8,412
Policyholders enrolled
▲ 12% this quarter
6,240
Homes documented
74% of book
37
Active claims
14 awaiting review
3.2 days
Avg. claim cycle
▼ from 6 months
$2.1M
Estimated claim-handling savings this year — faster cycles, less manual inventory work, lower leakage.
Claims queue
◆ ERIE & NIAGARA · CLAIMS DESK
Adjuster workbench
Review submitted contents, adjust, and send to carrier for approval.
Claim review
Policy HO-3392 · Fire · total loss
Robert & Susan Kane
Compare the pre-loss documented inventory against the submitted claim. Adjust each line.
⚠️ 2 items flagged: added after reported loss date or value exceeds pre-loss baseline.
Item
Pre-loss
Claimed (RCV)

PAYOUT CALCULATION

Replacement value (RCV)$0
Less depreciation–$0
Actual cash value (ACV)$0
Less deductible –$1,000
Net payout$0
✓ Within contents coverage limit ($100,000)
Adjuster notes
Carrier report
Ready for carrier approval

Claim Adjustment Report

TONY · prepared for Erie & Niagara Insurance ·
Claim details
ClaimantRobert & Susan Kane
PolicyHO-3392
Loss typeFire · total loss
AdjusterA. Mahoney
Verification
Items claimed—
Pre-loss documented✓ Verified
Items denied (post-loss)2
Payout calculation
Replacement value (RCV)$0
Less depreciation–$0
Actual cash value$0
Less deductible–$1,000
Recommended payout$0
Adjuster notes
—
This report routes to the carrier for final sign-off. On approval, funds release to the policyholder's TONY Wallet — and the loop begins.
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Your properties

Select a property to view or build its inventory.

My Home Sign out
YOUR HOME INVENTORY
$21,340
4 rooms · 34 items documented
Your rooms
Living room Edit
Room total$3,575
Scan a room
Which room is this?

or choose from library

⚠ Review each item — values are estimates. Edit, delete, or add anything.
Estimated room total$0
Your inventory

Home Inventory Summary

Generated by TONY ·
RoomItemsValue
Total documented$21,340
Download your inventory
Your claim
✓
Submitted
2
Adjuster review
3
Funds released
4
Replace
Carrier & adjuster view
⏳

Under adjuster review

Your documented inventory was submitted with verified photos and values. Your carrier's adjuster is reviewing it now — no blank sheet of paper, no waiting weeks.

34
Items verified
$21,340
Claim value
Days
Not months
What the adjuster sees
TONY Wallet
AVAILABLE TO REPLACE
$21,340
Approved by your carrier · ready to spend
TONY
Activity
✅

Claim approved

From your carrier · today

+$21,340
🛋️

Awaiting your replacements

Shop partners to restore your home

—
Every purchase you make automatically routes its receipt back to your adjuster — closing the loop with zero paperwork.
Replace your items $21,340
Use your approved funds at partner retailers. Tap to pay in-store or online — receipts route straight back to your claim.
📲Tap-to-pay activated — spend your approved funds anywhere these partners are accepted.
Checkout

Home Depot

Replacing items lost in your claim

Your cart
Total$2,140
Paid instantly from your TONY Wallet — no out-of-pocket, no reimbursement wait.
Receipt
Payment complete

✓ PAID

Home Depot · today
Total paid$2,140
Paid via TONY Wallet · Txn #TNY-4820
Receipt auto-captured
🧾
Capturing receipt…
Routing back to your adjuster automatically
✓

Claim complete.

From documented home to replaced belongings — the loop is closed. Your adjuster has everything, automatically.

📸
Home documentedVerified inventory, before loss
✓
✅
Claim approvedAdjuster reviewed verified data · 3 days
✓
💳
Funds deliveredStraight to the TONY Wallet
✓
🛍️
Items replacedBought from partner retailers
✓
🧾
Receipts routed backAdjuster reconciled · zero paperwork
✓
Months of paperwork, done in days. That's the closed loop.
Saved
PROTOTYPE · SIMULATED AI