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Horizontal solution

Claims & Adjudication

The same claim, in 2–3 days. Auto-insurance claims, illustrated. The traditional process runs 14–30 days across 8–10 human handoffs. The agentic reinvention compresses the same claim into 2–3 days — humans handle exceptions, agents handle the flow. Click play to watch both run side-by-side.

After
2–3d
end-to-end cycle time
Before14–30d
First notice of loss to case closure
After
−40 to −60%
loss-adjustment expense per claim
Before$800–1.5k
LAE; excludes indemnity
After
+20 to +30
NPS uplift on claimant experience
Beforeflat / declining
Humans focus on relationships, not routing
Simulate one claim
Both flows step through the same ten activities below; only the time and the role at each step changes. Hit play to run them side-by-side.
Today · sequential0.0 days elapsed
Tomorrow · agentic0.0 days elapsed
Process side-by-side

Same ten activities, two different architectures

Today · sequential, human-mediated
  1. 0115–30 min
    FNOL
    Call center rep
    Pain: Manual data entry; errors
  2. 021–2 days
    Triage
    Claims supervisor
    Pain: Queue backlog; mis-tiering
  3. 031 day
    Coverage check
    Adjuster
    Pain: Policy document review
  4. 042–5 days
    Inspection
    Scheduler + appraiser
    Pain: Scheduling delays
  5. 051–3 days
    Damage estimate
    Field adjuster
    Pain: Subjective variance
  6. 062–5 days
    Liability
    Senior adjuster
    Pain: Judgement calls
  7. 071–3 days
    Fraud review
    SIU if flagged
    Pain: Late detection
  8. 083–10 days
    Settlement
    Adjuster + claimant
    Pain: Back-and-forth cycles
  9. 091–3 days
    Payment
    Finance
    Pain: Approval chains
  10. 101 day
    Closure
    Documentation
    Pain: File quality audit
Tomorrow · agentic, parallelisable
  1. 01Instant
    FNOL agent
    Voice / image / video intake
    → Structured claim at first contact
  2. 02Instant
    Triage agent
    Auto-routing
    → Tiering + initial reserve set
  3. 03Instant
    Coverage agent
    Policy interpretation
    → Coverage confirmed in seconds
  4. 04< 1 hr
    Vision damage
    Photo / video model
    → Repair estimate delivered
  5. 05< 1 hr
    Liability agent
    Evidence synthesis
    → Recommendation with reasoning
  6. 06Continuous
    Fraud agent
    Real-time scoring
    → Flagged at source, not post-hoc
  7. 07Hours
    Settlement agent
    Within authority
    → Humans on edge cases only
  8. 08Hours
    Payment agent
    Pre-approved workflow
    → Faster claimant experience
  9. 09Instant
    Closure agent
    Documentation check
    → File quality enforced
  10. 10As needed
    Human oversight
    Adjuster + SIU
    → Exceptions, complex liability, relationships
Foundation

Agents only deliver the 2–3 day claim if they can reach the data

The agentic reinvention isn't possible on a siloed data estate. A unified data layer with cross-cloud lakehouse semantics and a governed knowledge catalog is the foundation — without it, every agent inherits the same handoff problem the reinvention was meant to remove.

Today · siloed systems, point integrations
Policy admin
Claims system
Billing
CRM
Document mgmt
Telematics
Fraud feeds
Weather / vehicle
Agents drown in integration spaghetti
FNOL agent
Fraud agent
Settlement
  • 10+ point integrations per agent
  • Data copied across systems — governance nightmare
  • Every new agent = new integration project
Tomorrow · unified data layer, one governance surface
Operational data stores · OLTP across clouds
↓
Unified data layer · cross-cloud catalog
  • One logical view across all claims data
  • Borderless, zero-copy across clouds
  • One governance surface · one security model · one audit trail
  • Governed knowledge catalog feeds agent-grade context
↓
FNOL agent
Fraud agent
Settlement
Agents read from one unified surface
  • One integration model — shortcuts, not copies
  • Governance, security, lineage enforced centrally
  • New agents deployed in weeks, not quarters
Want this for your book?
We'll scope a 2-week discovery sprint against a claim family you choose — and come back with the pod, the KPI, and the price.
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