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Insurance Claims

Agent Claimo

Claims settled in days, not weeks.

Agent Claimo compresses the claims lifecycle. It takes first notice of loss on any channel, assembles the claim file, verifies policy coverage, requests missing documents automatically, flags fraud signals for investigation, and prepares a settlement recommendation with its full reasoning attached. Adjusters stay in charge of every decision — they just stop doing the paperwork.

Insurance agent and client shaking hands over an agreement
Insurance Claims
5x
faster cycle time on standard claims
40%
lower claims handling cost
100%
of payouts human-approved
The Business Case

From Business Problem to Running System

What it costs you today, how the technology actually plugs in, and what changes on your P&L.

Business reality

The Problem

Slow claims are the single biggest driver of policyholder churn — and manual file assembly is where the days go. Meanwhile fraud leaks through because adjusters have no time to investigate properly.

How it plugs in

Our Approach

Claimo takes FNOL on any channel, assembles and validates the claim file with Agent Docket, verifies coverage against policy terms, flags fraud signals, and drafts a settlement recommendation with its reasoning attached — inside your Guidewire or Duck Creek workflow.

What changes

The Payoff

Standard claims settle in days instead of weeks, handling cost drops around 40%, and adjusters spend their judgment on the claims that need it — while every payout still requires their explicit approval.

How It Works

From Signal to Resolution

Agent Claimo runs a continuous loop — always observable, always interruptible, always logged.

WORK INGuidewire / Duck CreekPolicy admin systems…Payment platformsAGENT CLAIMO — CONTINUOUS LOOP1IntakeCaptures FNOL on any channel and…pens a structured claim with all…2AssembleGathers documents, photos, and re…orts; chases missing items automa…3AssessVerifies coverage, estimates expo…ure, and screens for fraud indica…4RecommendPresents a settlement recommendat…on with reasoning for adjuster ap…learns from every correctionOUTCOMES5xfaster cycle time on standard cla…40%lower claims handling cost100%of payouts human-approvedYour team reviews & approvesEscalations arrive with full context attachedRuns on Orchestra — every step traced, replayable, and auditableRBAC · SSO · audit export
1

Intake

Captures FNOL on any channel and opens a structured claim with all details.

2

Assemble

Gathers documents, photos, and reports; chases missing items automatically.

3

Assess

Verifies coverage, estimates exposure, and screens for fraud indicators.

4

Recommend

Presents a settlement recommendation with reasoning for adjuster approval.

In Practice

What Teams Put Claimo On First

Concrete, bounded processes — the fastest way to prove value before widening the mandate.

01

Motor claims

FNOL to settlement recommendation on standard collision claims in days, with photos assessed and coverage verified.

02

Health reimbursements

Medical bills extracted, policy limits checked, and reimbursement recommendations queued for approval.

03

Property claims

Damage documentation assembled, contractor estimates compared, and exceptions routed to adjusters.

04

Travel claims

High-volume, low-value claims settled same-day under strict auto-approval thresholds you define.

What Agent Claimo Does

FNOL intake via chat, voice, email, and portal
Automatic claim file assembly and completeness checks
Policy coverage verification against terms
Fraud and anomaly signal flagging
Settlement recommendation with transparent reasoning
Proactive claimant status updates

Guardrails & Governance

No payout without explicit human approval
Fraud flags always route to special investigation
Regulator-ready reasoning trail on every recommendation

Works With Your Stack

Guidewire / Duck CreekPolicy admin systems via APIPayment platformsAgent Docket for document processingAgent Convo for claimant communication

Where Agent Claimo Delivers

All Industries

Ready to Put Agents to Work?

Tell us which process hurts most — email backlog, reconciliation, claims, scheduling — and we'll show you an agent handling it, governed and auditable, within weeks.