Human-centered design systems and product experiences
Core services
01UI/UX Design02Web Development03Software Development042D/3D Experiences05App Development06AI Agents & Automation07Website DesignTechnical services
Frontend Engineering
React DevelopmentNext.js DevelopmentWeb ApplicationsEnterprise DashboardsSaaS PlatformsBackend & Infrastructure
API DevelopmentCloud InfrastructureDevOps & CI/CDBackend SystemsCustom SoftwareIndustries we serve
Technology & Software
AI Insurance Claims Intake Agent Development
The file complete before assessment
An agent for first notification of loss. It takes the claimant through what happened, collects the documents the claim type requires, checks that the file is complete and hands it to an authorised assessor.
An agent for first notification of loss. It takes the claimant through what happened, collects the documents the claim type requires, checks that the file is complete and hands it to an authorised assessor. It makes no decision on cover or amount.
A claim begins on a bad day for the customer. They call, wait, and tell their story to someone typing into a form. A week later they are asked for a document nobody mentioned. The assessor, meanwhile, receives a file with half the facts and spends the first days chasing the rest. Much of the time a claim takes is spent before anyone starts assessing it.
This page describes a workflow we propose to build as a custom project. It does not exist as software yet. It would reuse the pattern from our invoice processing demonstration on test data: documents read with their source, completeness checks, a review queue and one clean handover, together with the identity check from our support demonstration. Claim-type requirements, policy lookups and connection to a claims system are not built.
What Goes Wrong Without It
The story told by phone
Details are typed while the claimant talks, and some are missed.
Documents asked for one at a time
Each request adds a week.
Incomplete files to assessors
The first days of assessment are spent chasing.
The claimant hears nothing
No acknowledgement, no reference, no next step.
Statements about cover
Someone at intake says "that should be covered".
Signals of fraud ignored or overread
Either nobody looks, or an honest claimant is treated as a suspect.
From the First Signal to the Record
An example of one case, in 6 steps. The same steps play in the picture at the top of this page.
Loss reported
A policyholder reports water damage at home through your app.
Policy found
Their identity is confirmed and the home policy in force on the date is found.
Account taken
They describe what happened. The agent asks the questions your water-damage checklist requires.
Documents requested
Photos, a plumber's report and proof of ownership for damaged items are requested in one message.
File checked
The plumber's report is missing a date. The claimant is asked for it once.
Handed over
A complete file reaches a property assessor, with a note that two dates differ.
Walk One Real Case Through It
Thirty minutes, one case from your own process. We map it against the workflow on this page and tell you plainly what can be reused from our demonstrations and what has to be built for your systems.
Six jobs it carries through
01First notification
Takes the report of the loss.
- What happened, when and where
- In the claimant's own words
- Questions specific to the claim type
- A reference given at once
02Policy identification
Finds the policy the claim is made under.
- Policyholder identity checked
- The policy and its status on the date
- The claim type it may fall under
- Says when no policy is found
03Document collection
Asks for everything the claim type needs, once.
- Your checklist per claim type
- One clear request
- Uploads from a phone
- Reminders on your schedule
04Completeness check
Checks the file before it goes on.
- Each required item present
- Legible and for the right date
- Fields read with their source
- Gaps listed for the claimant
05Assessor handover
Passes a prepared file to an authorised person.
- Routed by claim type and size
- A summary with the documents attached
- Inconsistencies listed without judgement
- Urgent cases flagged by your rules
06Claimant updates
Keeps the claimant informed.
- Acknowledgement and reference
- What is still needed
- Who has the file now
- Your approved wording
It Prepares the File and Decides Nothing About the Claim
Whether a loss is covered and what is paid are decisions for authorised assessors, under your policies and the regulation you work to. The agent collects, checks completeness and routes. It never tells a claimant that something is or is not covered.
Where facts in a file do not agree, it lists them plainly for the assessor. It does not label a claimant, and it does not score anyone for fraud.
- No statements about cover or payment
- Your checklist per claim type
- Incomplete files never passed as complete
- Inconsistencies listed without judgement
- Decisions by authorised assessors
- Claimants kept informed
The Systems Around It
The systems named here are the kind this agent works with. Which ones it connects to in your case is settled in the scope.
Claims system
- Guidewire
- Duck Creek
- or your claims platform
Policy system
- Policies, cover dates and policyholders
Claim channels
- App
- web
- phone
Documents
- Photos, reports and proofs, stored in your environment
Checklists
- Requirements per claim type
Assessors
- Authorised staff and their queues
Straight Answers
No. It prepares the file. Cover, liability and the amount are decided by an authorised assessor. It will not tell a claimant what to expect, because it cannot know.
It is that pattern applied to claims, with what claims need on top: a conversation with a claimant, a policy to find, a checklist per claim type and a hard line around decisions.
Claims intake starts when something has gone wrong and ends with a file for an assessor. Renewal starts from a date in the calendar and ends with a renewed or lapsed policy. They share the policy system and little else.
Not as software yet. This page describes a proposed workflow. It would reuse the pattern from our invoice processing demonstration on test data: documents read with their source, completeness checks, a review queue and one clean handover, together with the identity check from our support demonstration. Claim-type requirements, policy lookups and connection to a claims system are not built. A project starts by mapping your process, then proving the first steps on test data before anything touches a live system.
Take Twenty Recent Claims
Measure the days between first notice and a complete file. That is the time intake can remove.