# Humans in the loop

A reserved act never runs in software. It reaches a licensed professional with the file already prepared, and the record comes back on your webhook.

## The reserved act

1. **Run the open work** (Your agent). Intake, acknowledgment, file assembly, coverage and estimate review, at API speed.
2. **Stop at the reserved act** (api.insure). The claim answers PENDING_ADJUSTER and names the license the act requires.
3. **Check the license** (api.insure). Verified at call time against the state registry, per state and line of authority.
4. **Review the prepared file** (Licensed adjuster). A licensed adjuster on the network reviews it under authority your carrier delegates.
5. **Decide in their own judgment** (Licensed adjuster). Approve, deny with reasons, or send it back for more.
6. **Receive the record** (Your agent). decision.issued brings the decision and attestation, and claim.paid the payment record.

No platform process can commit past an adjuster's refusal, and their flat fee never moves with the outcome.

## Every clock has an owner

In Texas a claim is acknowledged within 15 days of notice, decided within 15 business days of a complete file, and paid within 5 business days of acceptance (Texas Insurance Code §§542.055 to 542.057). A clock closes only on evidence, and no setting can extend a statutory deadline.