For Public & Insurance Adjusters

Know the Loss
Before the Claim Does.

Verified fire & damage incidents the moment crews respond — with owner contacts, damage severity, and property detail attached.

1,182+ fire departments monitored
776 counties · every state
Alert in under 30 minutes
Why Timing Matters

The First 72 Hours Shape the Entire Claim

Scope, documentation, and expectations are set in the first days after a loss — usually before an adjuster is anywhere near the file. Whichever side you represent, arriving late means inheriting someone else's version of the damage.

You Hear About It Too Late

Public records and news coverage surface days later — after contractors and other adjusters have already been on site.

Evidence Degrades Fast

Board-up, tear-out, and cleanup begin within hours. Pre-mitigation condition is often gone before anyone documents it.

Finding the Insured Burns a Day

Confirming the right owner and a working number for a damaged property can take half a day of manual work.

No Way to Triage Severity

Without scene detail, every notification looks the same — you can't tell a kitchen fire from a total loss before committing time.

The Difference

Two Ways to Learn About a Loss

How adjusters hear about losses today

Public records and permit data arrive days or weeks after the incident.

News coverage only catches the largest or most dramatic losses.

Carrier assignment arrives after FNOL — sometimes days into mitigation.

Tracking every department across a territory by hand doesn't scale.

Severity is unknown until someone physically visits the property.

With FirstLeads

Incidents detected as crews respond — on your map within minutes.

Damage severity scored and scene photos attached before you commit time.

Verified owner name, phones, and mailing address in one click.

Your whole territory watched 24/7 and filtered to your criteria.

A documented incident timeline: dispatched → on scene → knocked down.

Same loss. Same policy. The difference is how much you know on day one.

The Data Engine

Every Source That Knows About a Fire — In One Feed

100k+
Fire & damage incidents processed to date
25,700
New incidents in the last 30 days alone
776
Counties covered, all 50 states + DC
<30 min
From incident to an alert in your inbox

Real-Time Detection

Our monitoring network picks up incidents across 1,182+ fire departments the moment crews respond — 24/7, nationwide.

Verification & Damage Scoring

Every incident is verified and scored — severity, damage indicators, confirmed address — before it reaches your queue.

Scene Intelligence

Fire-department social accounts (1,000+ posts/mo), 4,300+ live traffic cameras, and coverage across 649 cities.

How It Works

From Incident to Documented File — One Workflow

1

Find

The incident appears on your live map, filtered to your territory and severity levels.

Verify

Scene photos, a minute-by-minute timeline, and live cameras confirm the scale of the loss.

3

Unlock

One click reveals the insured: phones, emails, mailing address, plus property and mortgage detail.

Engage

Reach out on your terms, within your state's rules, with the full picture in hand.

5

Automate

Alerts fan out to email, SMS, Slack, Sheets, and your claims system or CRM.

Step 1 · Find

Your Live Map — Every Loss, As It Happens

Active & Resolved Incidents

See the loss while crews are still on scene — not weeks later in a public record.

Severity Filters: Low / Medium / High

Triage by damage level so your time goes to the files that justify it.

Incident Types

Structure · Residential · Commercial · Flood and water events.

County & City Filtering

Lock the map to the territory you're licensed in, with up to 35 days of searchable history.

Minute-by-Minute Timeline

Dispatched → on scene → knocked down, with units responding and incident status.

Verified Confidence Flags

Each incident carries a verification status so you know what's confirmed before you act.

Step 2 · Verify

Document the Loss From the Moment It Happens

4,300+ Live Traffic Cameras

Surfaced inside every incident popup and ranked by distance — often within 50–200 metres. Available on the Premium plan.

Fire-Department Photos & Posts

Department posts matched to the incident: damage photos, knockdown updates, displacement counts, road closures.

Every Update Threads to One File

Time-of-call, knockdown, cause, and evacuation details all attach to the matching incident automatically.

A Contemporaneous Record

Scene detail captured as the loss unfolds — useful context long before anyone can inspect the property.

Step 3 · Unlock

The Right Insured, the Right Number — One Click

Up to 6 Phones & 3 Emails

Owner name, every reachable number, and mailing address from a single unlock.

Cross-Referenced Sources

Independent data providers, property records, and carrier lookups reconciled into one answer.

Line Type & Reachability Score

Mobile, landline, or VoIP with a quality score — so your first call is your best one.

DNC & Litigator Screening

Federal DNC registry check, litigator scrub, plus bankruptcy and death-record flags on every unlock.

Bulk Unlock & Export

Unlock in bulk, export to CSV, or push straight into your claims system or CRM.

Search Any Address

Owners, residents, and property detail for any U.S. address — no incident required.

FirstLeads supplies incident and screening data only. Subscribers are responsible for licensure, consent, and compliance with TCPA and applicable state rules.

Step 3 · Qualify

The Property Picture, Before You Open the File

Valuation & Equity

Est. value$612,000
Range$580k – $645k
Equity$418,000 (68%)
LTV32%

Property Profile

TypeSingle family · 2 story
Built1994 · reno 2016
Size4 bd / 2.5 ba · 2,340 sqft
Roof / heatComp shingle · forced air

Mortgage & Deed

Last saleJun 2011 · $289,000
Mortgage2019 refi · $194,000
Rate / lender3.6% · Evergreen
PermitsRoof 2016 · WH 2021
✓ Owner-occupied ✓ USPS deliverable Not vacant Mortgagee on record Permit & renovation history

Illustrative property record.

Two Use Cases

Built for Both Sides of the Claim

Public Adjusters

Representing the policyholder
Know about the loss the day it happens, not the week after.
Triage by severity so your pipeline holds files worth working.
Verified owner contact and mailing address for lawful, timely outreach.
Property, equity, and mortgage context before the first meeting.
Scene photos and a documented timeline from the day of the loss.

Insurance & Independent Adjusters

Representing the carrier
Spot losses in your territory before or alongside FNOL.
Score severity early to route the right resource the first time.
Pre-inspection scene detail cuts wasted site visits.
Watch catastrophe zones in real time and stage capacity accordingly.
Feed incidents straight into your claims system via API or CSV.
Licensing & Timing

Early Awareness, On Your Compliance Terms

Knowing about a loss immediately is not the same as contacting someone immediately. FirstLeads tells you what happened the moment it happens — you decide when and how to engage under the rules of your state.

Licensing Is State-by-State

48 states plus DC require a public adjuster license, and a license in one state does not carry into another.

Contingency Fee Caps Vary

Caps commonly fall between 10% and 20%, differing by state, claim type, and disaster status. Florida sets 20% standard and 10% under a declared emergency.

Solicitation Windows

Many states impose 48–72 hour moratoria after a catastrophe or emergency declaration, and some restrict hours of contact.

Contract & Rescission Rules

Fee percentage must typically be disclosed prominently, with a rescission window commonly running 3–5 business days.

TCPA & DNC Still Apply

Calls and texts remain subject to federal and state rules. FirstLeads supplies screening data but does not obtain consent for you.

You Control the Timing

Alerts land immediately and history stays searchable, so you can wait out a moratorium and still act on a complete file.

Regulatory summary for orientation only, current as of mid-2026 and simplified across jurisdictions — not legal advice. Verify current requirements with your state insurance department.

Steps 4 & 5 · Engage & Automate

Alerts and Handoff, Automated

Instant Alerts Under 30 Minutes

Email and SMS the moment an incident matches your counties, severity, and type filters.

Route to the Right People

Extra recipients for intake, field staff, and management — everyone pinged at once.

Daily Digests & Weekly Summaries

A scheduled roll-up of your territory at the hour and day you choose.

Into Your Systems

Google Sheets, HubSpot, Slack, CSV export, and full REST API access on Enterprise.

Direct-Mail Postcards

Prefilled to the household and sent from your own PostGrid or Postalytics account, at vendor postage cost.

Configured With You

Territories, severity thresholds, and routing set up during onboarding, not left to you.

Choose Your Tier

Plans & Pricing

Professional
$697/month
Insurance agencies · investors · agents
  • 700 unlock credits per month
  • Resolved incidents only
  • All damage estimates (L/M/H)
  • 7 days searchable history
  • 5 custom alerts (cities/counties)
  • Daily & weekly digest reports
  • 1 additional email & phone recipient
Built for Public Adjusters
Premium
$1,497/month
Public adjusters · restoration contractors
  • Everything in Professional, plus:
  • Unlimited manual contact unlocks
  • Active fire incidents (Premium only)
  • Live traffic camera view (Premium only)
  • Instant alerts (Premium only)
  • 10 custom alerts · 35 days history
  • 5 recipients · same-day support
Enterprise
Custom
Carriers · IA firms · multi-state teams
  • Everything in Premium, plus:
  • Unlimited unlocks · custom alert limits
  • Custom history window (default 90 days)
  • Full REST API access
  • Multiple seats / team accounts
  • Dedicated account manager
  • White-label · 99.9% SLA guarantees
The ROI Case

One File Covers the Year

Premium runs $17,964 a year. At a 10% contingency fee, a single settled fire claim of roughly $180,000 covers the entire subscription — and fire losses routinely run well past that.

$5,000
$50k claim
$15,000
$150k claim
$30,000
$300k claim
$50,000
$500k claim

Break-Even: One $180k Claim

At a 10% fee. At 20%, a single $90,000 claim covers the year.

Carrier-Side Value

Earlier severity signal means fewer wasted site visits and faster, better-routed assignments.

Beyond the First File

Referrals, attorney and contractor relationships, and repeat work from the same territory.

Fee percentages are illustrative and capped or prohibited in some jurisdictions; actual results depend on your state, caseload, and settlement outcomes.

Get Started

See Your Territory Live

Book a walkthrough and watch real incidents surface on the map for the counties you cover.