- Document AI reads FNOL packets, estimates, police reports and medical bills into the claim fields you define, with no templates.
- A completeness check compares the claim facts with the policy terms and lists what is missing before an adjuster opens the file.
- Special handling and routing flags injury, large loss, litigation, possible subrogation and possible fraud, and cites the document behind each flag.
- An agent can assemble each new claim file and draft the routing; your claims team approves it.
Every claim waits at first notice of loss
A claim starts the moment a policyholder calls, uses your app or has a broker send an email. What arrives is rarely complete: a phone note, a few photos, a repair estimate, sometimes a police report or a medical bill.
Someone has to read all of it, key it into the claims system and check it against the policy. Only then does the claim reach a handler, and a simple claim waits in the same queue as a complex one. The first routing decision matters most: a bodily injury, a large loss or a claim with an attorney already involved needs a specialist early, and a missed flag at intake shows up later as cost and delay.
How FNOL intake and claims triage works
Step 1: Take in the first notice of loss
Claim documents enter a collection by upload, a connector to a shared repository or the API, and the platform reads each page, including scans, tables, photos and handwriting.
Step 2: Digitize the FNOL packet
Document AI extractors turn the packet into structured output that matches a schema your team defines: policy number, date and place of loss, cause, parties, vehicles or property, injuries reported and amounts claimed.
Step 3: Check the claim against the policy
The platform compares the extracted facts with the policy in force: dates of cover, insured property or vehicle, named drivers, limits and excess. Gaps and mismatches become a list of items to request from the policyholder or broker.
Step 4: Triage and flag special handling
The platform reads the claim file against your claims guidelines and flags claims that need special handling, such as injury, large or complex loss, litigation, subrogation or possible fraud. Each flag cites the document and the guideline behind it.
Step 5: Route and hand over the file
H2O AI Super Agent assembles the file: extracted data, policy check, missing items, flags and a short summary. Your team approves the routing, and the claim reaches a fast-track handler, an adjuster, a specialist or your special investigations unit.
Your claims system stays in place
Your existing claims system stays; the platform sits on top of it and reads the documents it holds, and personal and health data can be redacted before a model sees it.