The problem
Claims intake is the bottleneck nobody talks about. First Notice of Loss (FNOL) arrives via call centers, web forms, emails, and photos. Each arrives in a different format, each requiring manual extraction before an adjuster can even begin work.
The average property claim takes 3-5 business days just to get through intake. Not because the claim is complex, but because the data extraction is manual.
What the system does
An LLM-powered intake agent sits between the policyholder and the claims management system. It:
- Reads incoming FNOL across all channels: voice transcripts, web forms, email, uploaded documents
- Extracts structured fields: policy number, date of loss, damage type, estimated severity, claimant details
- Cross-references the policy: verifies coverage, checks for exclusions, flags gaps
- Routes the claim: simple claims to auto-adjudication, complex claims to the right specialist adjuster
- Generates the claim file: pre-populated with all extracted data, ready for review
The buyer
VP Claims Operations, Chief Claims Officer, or Head of Digital Transformation at mid-to-large insurance carriers processing 10,000+ claims per year.
Impact
- 60-80% reduction in intake processing time
- 20-50% reduction in overall claims resolution cost
- Adjuster productivity up 30-40% (they start with a complete file, not a blank form)
- Policyholder NPS improves because first contact resolution is faster
How we build it
We wire LLM agents into the existing claims management system (Guidewire, Duck Creek, or custom). The agent handles extraction and routing; humans handle judgment calls and approvals. Every decision is logged and auditable.
Timeline: 8-12 weeks to production pilot. 4-6 months for full rollout across claim types.