Is Colively connected to insurers or brokers?

No. There is no connection to insurer or broker platforms: the notification goes by email. The follow-up (loss adjuster, go-ahead, payout, deductible) is kept in the claim, inside the case.

Does the AI decide what is covered?

No. Cover is the insurer's decision. Colively reads emails and suggests opening a claim. It never rules on cover, the deductible or the amount of the payout.

Can work start before the insurer's go-ahead?

Urgent work, yes: stopping the leak, making safe, drying out. Restoration waits for the insurer's go-ahead, and the case stays on hold until it is recorded.

What about a rented flat outside a co-ownership?

The same tracking works on the landlord's policy. The claim is suggested on that policy, the notification goes to the broker by email, and the loss adjuster, deductible and payout are tracked in the case the same way.

Insurance claims

Tuesday 06:50, a stain spreads across the 3rd-floor ceiling. The water comes from the 4th, but from where exactly?

Water damage is two stories tangled together: the leak to stop right now, and the claim that will take weeks. Colively keeps both in the same case. It spots when a report looks like an insurance matter and suggests opening a claim on the right policy. You decide, the broker receives the notification by email, and every step is tracked until the payout. Here is the work order.

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Ref.: SN-0418
Property: ACP Les Tilleuls, av. de Tervueren 88, 3rd and 4th floor
Opened: Tue. 06:50

01Report

The 3rd-floor occupant writes at 06:50. The case notes: likely claim.

An email with two photos. Colively opens the case, identifies the building and the flat affected, and notes that the report looks like water damage. The suggestion to open a claim appears in the case. Nothing is filed without you.

Urgency and likely claim flagged on reading
Claim suggested, never opened automatically
Occupants and co-owners write by email

EmailMrs Hermans, occupant 3rd floor · 06:50

Hello, there is a big water stain on the bathroom ceiling, it has been dripping since last night. I rang at the 4th floor, nobody answered. Photos attached.

Extracted by Colively

Issue: Active leak, bathroom ceiling
Building: Les Tilleuls, 3rd floor
Source: Probably the 4th floor, to be confirmed

URGENT

02Common or private

Source unknown? The case stays "to decide", then moves to private.

At intake, nobody knows whether the water comes from a shared riser or a private installation. Colively does not guess: the case is marked "to decide" and goes to you. In the afternoon, the plumber finds the source, a supply fitting in the bathroom of 4B. You move the case to private unit. The classification changes, the history stays.

Unclear cases go to the syndic, never guessed
Classification can change once the source is found
Every change timestamped in the case

Classification

Private unit · Unit 4B, bathroomPRIVATE

Linked reports

Tue. 06:50Mrs Hermans, occupant 3rd floor · a big water stain on the ceiling
Tue. 09:15Mr Van Damme, co-owner 4B · I am away, the caretaker has my key

Marked "to decide" at 06:50. Moved to private by the syndic at 15:20, source found.

03Urgent work

The leak does not wait for the insurer. The plumber goes this morning.

Stopping the water and drying out are urgent work: they go ahead without waiting for the insurer's go-ahead. You send the request to a plumber and a drying company. The caretaker lets them into 4B with the key the co-owner left.

Urgent work started without waiting for the insurer
Leak detection and drying in parallel
Caretaker assigned to give access

Suggested contractors

Plomberie Van AckerPlumbing, leak detection · Average turnaround: same day
Aqua Dry ServicesDrying · Has worked in the building before

Send to 2 contractorsOne click, 07:12

SENT TO 2 CONTRACTORS

04Claim

The claim is open on the building policy. The broker has the notification.

You confirm the suggestion: the claim is opened on the building policy recorded for the ACP. The notification goes to the broker by email, with the photos, the plumber's report and the details of the units affected. Colively does not connect to insurer platforms, and never rules on what is covered: the insurer decides that.

Claim opened by you, on the right policy
Notification sent to the broker by email
Building policies recorded once

SIN-2026-031Building policy · ACP Les Tilleuls

Broker: Cabinet Delhaye, by email
Notified: Tue. 16:05
Loss adjuster: visit planned Fri. 10:00
Deductible: as per policy
Payout: pending

Claim opened
Notification sent to the broker
Loss adjuster visit
Insurer's go-ahead
Payout received

NOTIFIED

05Loss adjuster

The loss adjuster visits Friday. Restoration waits for the insurer's go-ahead.

The painter's quote for the 3rd-floor ceiling is in the case, read from its PDF. It will not be approved before the insurer's go-ahead. The caretaker lets the loss adjuster in, and the visit is noted in the claim. If the claim has not been notified or no loss adjuster has been announced, Colively reminds you.

Restoration on hold until the insurer's go-ahead
Loss adjuster visit noted in the claim
Reminders: claim not notified, no loss adjuster, late payment

Restoration

Ceiling and paint, 3rd-floor bathroom€1,240.00

Restoration quote receivedPeinture Moreau, PDF read, Wed. 11:30
Loss adjuster visitFri. 10:00, access via the caretaker
Insurer's go-aheadpending, tracked in the claim
Restoration workafter the go-ahead

AWAITING INSURER

06Payout

The payout arrives. The case closes when everything is settled.

After the insurer's go-ahead, the painter does the work and invoices. Colively compares his invoice with the quote. The payout and the deductible, as set by the policy, are noted in the claim. If payment is late, you get a reminder. The case closes with everything inside: photos, notification, loss adjuster's report, invoices.

Invoice compared with the quote
Payout and deductible tracked in the claim
Reminder if payment is late

F-2026-1302Peinture Moreau

€1,240.00

Quote approved after go-ahead: €1,240.00
Invoiced: €1,240.00
Payout: received, deductible as per policy

Attached to case SN-0418, claim SIN-2026-031Accounting export

CLOSED. Case archived. Every message, file, quote and decision is kept.

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Frequently asked questions

No, you decide. Colively spots when a report looks like an insurance matter and suggests opening a claim on the right policy. If you confirm, the notification goes to the broker by email from the case.

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