An FNOL agent built from your claims workflow.
One Klarefi agent, configured to your claims SOP. You rebuild the FNOL form, define the facts adjusters look for, and verify against your policy systems. The agent collects the submission, chases what is missing, cites every fact, and hands your team a decision-ready file.
Your adjusters carry 130+ open claims and spend 30% of their time on admin, not adjudication.
Claims arrive in pieces across email, portal, and post. Half the data is missing. Adjusters chase claimants for hours before they can start.
You cannot hire your way out. 400,000 professionals leave the industry by 2026 and only 4% of millennials want the jobs. Each manual claim costs $40 to $60, each rework adds $25, and manual entry drives 42% of rejections.
Meanwhile, 83% of dissatisfied claimants switch carriers, and speed is their top complaint. Every day of delay costs you policyholders.
5-10%
of claims spend lost to leakage (industry benchmark)
44 days
FNOL to final payment, longest on record
Agent-as-a-Service for regulated operations. It starts at intake.
Step 01
Form
Guided intake collects the right documents in the right format.
Step 02
Fact
Every document is read. Every value is extracted and cited to its source page.
Step 03
Verify
Cross-check extracted facts against your rules or external systems. Surface mismatches before your team reviews.
Configured to your SOP, the agent rebuilds your claims intake, runs on top of your claims core, and verifies every submission. It starts at intake, where the work starts, then absorbs the load.
Purpose-built for
What your adjusters see Monday morning
Decision-ready case files, waiting before the day starts.
What the agent does for claims teams
Cited extraction
Every value traces to a quote and page your adjuster can open and challenge. Policy numbers, incident dates, claimed amounts.
Gap detection
Missing documents and empty fields are flagged before you open the file.
Hosted intake
Claimants submit through a guided form on your domain that collects the right documents in the right format.
Human in the loop
Adjusters review the facts and pick from candidates. Corrections feed back and sharpen extraction over time.
FNOL is where the work starts.
Adjusters decide faster when the file arrives complete. The agent turns a raw submission into a coverage-aware claim file before your team opens it.
Claimant submits
- FNOL form, statement, and contact details
- Damage photos, repair estimates, invoices, medical records
- Police report, witness notes, third-party letters
- Coverage they think they have, often wrong
Adjuster opens
- Policy number tied to declarations, endorsements, deductible
- Cause of loss with the quote and page behind it
- Claimed amounts reconciled against invoices and estimates
- Missing report, missing invoice, conflicting dates, each flagged
What kills cycle time before an adjuster sees the file.
- ✕Photos arrive without the invoices that price them.
- ✕Declarations contradict what the claimant says is covered.
- ✕Attachments land in email, portal, and post with no single view.
- ✕The first cycle goes to chasing documents, not judging liability.
See it on your own claims documents
Run a pilot on your real claims. We show you cited extractions and measurable accuracy on your documents.