Score claim validity against exclusions API

Match a caller-supplied incident to policy exclusions, dates, and the limit. The validity score falls when an exclusion's distinctive words appear in the incident, and the denial risk rises with those matches. This is a text screen, not a claim decision.

The Score claim validity against exclusions operation is part of the Insurance Claims Assist API on BRAINIAC.software. Match a caller-supplied incident to policy exclusions, dates, and the limit. The validity score falls when an exclusion's distinctive words appear in the incident, and the denial risk rises with those matches. This is a text screen, not a claim decision. It is exposed as POST /api/v1/claims/validity and priced at $0.04 USDC on Base. Payment uses the x402 exact scheme: an unpaid call returns HTTP 402 with payment requirements; after paying the exact USDC amount, retry the same request with a payment-signature header and Idempotency-Key. No account and no API key are required. Data sources for this product: Policy documents and incident facts supplied by the caller. Limitations: Results are preliminary assistance, not legal advice or confirmation of coverage. Correspondence is a draft and is never sent automatically. validity and dispute-draft score and draft from the supplied text. They do not decide a claim. Outputs are compliance prechecks, drafts, or data lookups for human review. They are not official determinations, legal advice, identity confirmation, or certified filings. Related operations in this group include Analyze a policy and prepare claim evidence, Draft insurer correspondence, Draft a claim or dispute letter. Open the group documentation for the full request schema, field notes, and response examples before integrating.

POST$0.04 USDC
/api/v1/claims/validity

Example request

curl -i -X POST "https://www.brainiac.software/api/v1/claims/validity" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "incident": {
    "description": "River flood water entered the warehouse after the storm. A forklift also struck a rack.",
    "occurred_on": "2026-03-02",
    "notice_on": "2026-03-05",
    "loss_type": "property damage",
    "amount": 12500
  },
  "policy": {
    "effective_on": "2026-01-01",
    "expires_on": "2026-12-31",
    "limit": 50000,
    "perils": [
      "property damage"
    ],
    "exclusions": [
      "flood, surface water, or overflow of any body of water",
      "intentional injury by the insured",
      "wear and tear"
    ]
  }
}
JSON

An unpaid probe returns HTTP 402 with x402 payment requirements. After paying the exact USDC amount on Base, retry the identical request with a payment-signature header.

FAQ

  • Do I need an API key? No. Pay the listed USDC amount with x402.
  • What network? Base (eip155:8453), USDC.
  • Is this an official determination? No. Results are for human review against the cited sources.

Related APIs

Insurance Claims Assist APIFull docsHow it works