---
title: "Notes from the reserved line"
description: "How agents call insurance work: the reserved acts, typed pending states, statutory claim clocks and flat per-act pricing."
url: "https://api.insure/blog"
---

# Notes from the reserved line

How agents call insurance work: where the state draws its line, the typed states that hold it, and the clocks that run on every claim.

## [Why every reserved act has a flat fee](https://api.insure/blog/flat-fee-per-act)

October 9, 2026 · Pricing · [markdown](https://api.insure/blog/flat-fee-per-act.md)

A fee that grows with the claim pays someone to move the number. A flat fee, fixed before the work starts, does not.

## [The Texas claim clocks, as code](https://api.insure/blog/texas-claim-clocks)

October 9, 2026 · Clocks · [markdown](https://api.insure/blog/texas-claim-clocks.md)

Texas gives an insurer 15 days to acknowledge a claim, 15 business days to decide it and 5 business days to pay. Here is how those clocks run on one claim.

## [PENDING_ADJUSTER is a promise, not a queue](https://api.insure/blog/pending-adjuster)

October 9, 2026 · Architecture · [markdown](https://api.insure/blog/pending-adjuster.md)

When a claim reaches an act only a licensed adjuster may perform, the API says so in a type your code can branch on.

## [The state reserves a few acts. Everything else is software.](https://api.insure/blog/the-state-reserves-a-few-acts)

October 9, 2026 · Thesis · [markdown](https://api.insure/blog/the-state-reserves-a-few-acts.md)

Most of a claim is information work. The decision is reserved to a licensed adjuster. An API should treat that line as a contract, not a dead end.