AI Property Claims Intake Agent
Automating Property Claims Intake with AI
Convert unstructured inputs into structured FNOL packets
The agent turns phone calls, emails, photos, and claimant statements into a complete, ACORD-equivalent FNOL payload mapped to your claims schema—no manual re-keying required.
Verify coverage and flag risks in real time
Automated policy checks confirm coverage in force, limits, deductibles, and exclusions while severity and fraud scoring identify high-risk claims for SIU referral before they move downstream.
Route claims and dispatch vendors without delay
Triage logic assigns the right handler—desk adjuster, field adjuster, or straight-through processing—and triggers vendor dispatch, inspection orders, and compliant acknowledgment letters automatically.
How Cassidy automates property claims intake using AI
Step 1: Trigger on new claim submission
The Workflow activates when a claim arrives—whether from a call center transcript, web portal submission, mobile app upload, or email with attachments.
Step 2: Extract and structure FNOL data
Cassidy processes unstructured inputs (recorded statements, photos, police reports, contractor estimates) and extracts key fields: policy number, date of loss, peril type, location, damage description, and parties involved.
Step 3: Verify policy and coverage context
The Workflow pulls policy details from your Knowledge Base or policy administration system to confirm coverage in force, applicable limits, deductibles, exclusions, and endorsements—generating a coverage snapshot for the adjuster.
Step 4: Score severity and fraud risk
Cassidy evaluates the claim against severity indicators (loss type, estimated replacement cost, habitability impact) and fraud signals (narrative-metadata mismatches, repeat claim patterns, outlier vendor behavior), flagging high-risk claims for SIU review.
Step 5: Route and assign the claim
Based on triage scores and business rules, Cassidy routes the claim to the appropriate handler—straight-through processing for low-risk claims, desk adjuster, field adjuster, or independent adjuster—and sets SLAs and diary tasks.
Step 6: Dispatch vendors and schedule inspections
When mitigation or inspection is required, the Workflow triggers vendor dispatch (water mitigation, board-up services), orders estimates in Xactimate, and schedules virtual or in-person inspections.
Step 7: Update CMS and send communications
Cassidy populates your claims management system with the structured FNOL packet, attached artifacts, and audit trail, then sends compliant acknowledgment letters, next-step instructions, and missing-info requests to the claimant.
Step 8: Hand off to adjudication with Human-in-the-Loop
The adjuster receives a complete claim packet—structured data, coverage snapshot, triage rationale, vendor orders, and communication log—with full visibility to review, correct, or approve AI recommendations before proceeding.
Implement it inside your company
- Hands-on onboarding and support
- Self-paced training for your team
- Dedicated implementation experts
- Ongoing use case discovery
- ROI tracking & analytics dashboards
- Proven playbooks to get started fast
