Adrastia insigniaAdrastia Mneme

From Adrastia™

Pilot program now forming

MNEME

The claim record the policyholder keeps. Sealed for both sides.

Mneme is a plug-in your company places in its own app. The policyholder keeps a sealed timeline of the claim: every file they sent, every request and answer, when each side saw it, and every deadline.

Request a pilotHow it works
The Adrastia insignia: a gold eye shape around gold and silver rings

How it works

One sealed record per claim. The policyholder and your company hold the same record.

  1. Place it in your app

    The policyholder screen runs inside your own app or portal. You list the sites allowed to show it.

  2. The policyholder gives notice

    The server seals the notice with its own clock. The deadline clocks for that state start from that seal.

  3. Everything is sealed as it’s added

    Photos, documents, proof of loss, contents items, requests, answers, messages, inspections, estimates, decisions and payments. Each entry is linked to the one before it.

  4. “Seen” is sealed too

    When someone opens the claim, the server seals which of the other side’s requests, answers, messages, estimates and decisions they have now seen. Once per person, per item.

  5. Deadlines run on the server clock

    Each clock is sealed with its due time, the rule version and the source citation. A missed deadline is sealed once. A late action never turns it into “met.”

  6. A new adjuster gets a handoff

    When the adjuster changes, the server seals a summary of everything the policyholder already provided. A repeat request is flagged “This was already answered.”

What each side sees

Same record. Different screens.

The policyholder

Inside your app, on their phone.

  • Their claims, with deadlines and open requests.
  • Each request, with a box to seal an answer and link files.
  • Add photos, videos and documents. Mark the signed proof of loss.
  • Add contents items: room, item, quantity, age and price.
  • Download their own copy. Make a share link for an attorney, public adjuster, regulator, contractor or other. The link shows the sealed entries and file details, not the files.
  • “My receipts”: a copy of every seal. It stays with them even if they leave your company.

The carrier

Your staff, in the company console.

  • Claim list filtered by Unseen, Deadline running, Missed and Paused.
  • Deadlines, with the rule and the source each one uses.
  • Seal requests, inspections, estimates, decisions, payments and status notices.
  • Adjuster log: every adjuster on the claim, with company, license, from and until.
  • Contents inventory and the estimate, decision and payment.
  • Verify the chain. Print the proof packet.

The new adjuster

Sealed the moment the claim changes hands.

  • Everything the policyholder already provided, with entry numbers.
  • How many files and contents items, and the contents total.
  • Which requests are answered and which are still open.
  • The last entry the summary covers.
  • A warning on any new request that asks again for something already answered.

State deadlines, counted for you

Clocks start only from sealed events. The due time is sealed when the clock starts, so a later rule change never moves it.

Florida

Acknowledge
7 calendar days
Pay or deny
60 calendar days from notice. Met by a denial or a payment.
Pause
A company request sent at least 15 days before the pay-or-deny deadline, and not answered in 10 days, pauses the clock.

Mneme seals on every Florida request whether it can pause the clock, and why. If it goes unanswered for 10 days, the pause is sealed. When the policyholder answers, the clock resumes and the deadline moves out by exactly the paused time.

Source: Fla. Stat. 627.70131 (1)(a), (7)(a), (8)(b)

Texas

Acknowledge
15 days
Decide
15 business days after proof of loss
Pay
5 business days after acceptance

Sources: Tex. Ins. Code 542.055, 542.056, 542.057

California

Acknowledge
15 calendar days
Decide
40 calendar days after proof of claim
Pay
30 calendar days after acceptance
Status notice
Every 30 calendar days while undecided

Source: Cal. Code Regs. tit. 10, 2695.7 (acknowledge: 2695.5(e))

Arizona

Acknowledge
10 working days
Decide
15 working days after proof of loss

Source: Ariz. Admin. Code R20-6-801 (E)(1), (G)(1)(a)

Other states

Acknowledge
15 days
Decide
21 days after proof of loss
Pay
30 days after acceptance

Based on the NAIC model regulation, not on that state’s own rule.

Source: NAIC Model Regulation 902, sections 6A, 7A, 7F

Reference only. Not legal advice. Check current law before relying on any deadline. Every Mneme screen and proof packet says the same.

Why a sealed record matters

When the facts are argued later, both sides point to the same record. Anyone can check it.

Any change shows

Each entry is sealed with the server clock and linked to the one before it. Change one entry and the chain fails its check.

A public check page

Open a share link or a proof packet file. The check runs in the browser. Files checked there are not uploaded.

Check a single file

Pick a photo or document to see if it matches a file in the record. Check any receipt by its entry hash.

A printable proof packet

Deadlines, the adjuster log, the contents inventory and every sealed entry, with a verification code.

A seal proves a record hasn’t changed since it was added. It doesn’t prove what happened before it was added.

Who it’s for

Insurance carriers
Show what was received, what your staff have seen, and when each deadline was met or missed.
Public adjusters
Keep the client’s claim record in one sealed place. Record the carrier’s decision and payment as received.
Claims software companies
Place the policyholder screen inside your product. Each seal posts the claim, entry number and entry hash to your page.

Coming soon

Request a pilot

We’re forming a small pilot group of carriers, public adjusters and claims software companies. Send us a note with your company name and how you handle claims today.

Mneme is licensed to your company. It is never sold.