FNOL intake
Capture first notice of loss from any channel into clean, structured claim data.
Minutes, not hours, to first action
Use case · By industry
Automated Insurance Claims Triage & FNOL Processing
Automate First Notice of Loss (FNOL) intake, claims triage, and subrogation detection inside Guidewire and Duck Creek.
Automated claims triage uses AI to read FNOL documents — police reports, medical bills, photos — the moment a claim arrives, classify severity, route it, and flag subrogation, directly on top of Guidewire or Duck Creek. Faster, more consistent triage means a better loss ratio without adding adjusters.
The problem
Accelerating First Notice of Loss (FNOL)
The speed at which you process an FNOL dictates your loss ratio. We build custom infrastructure to completely automate FNOL intake. Using AI document extraction, our systems parse police reports, medical bills, and photos to perform automated claims triage in real time — routing each claim to the right path instantly.
- FNOL intake handled manually across channels
- Claims sitting in a queue before first action
- Severity assessed inconsistently by adjusters
- Subrogation opportunities missed across the book
- Cycle times stretching as volume grows
- Re-keying between core systems
The solution
Where automation removes the friction
Claims triage & routing
AI scores severity and routes each claim to the right adjuster inside Guidewire or Duck Creek.
Faster cycle time per claim
Subrogation detection
Recovery opportunities are flagged automatically across the whole book.
Recovered revenue that used to slip
Subrogation detection & enterprise integration
Identifying subrogation opportunities manually leaves money on the table. Our pipelines scan unstructured claim data to surface subrogation automatically. And we don't force you into new software — we build these workflows directly on top of legacy systems like Guidewire ClaimCenter and Duck Creek.
The results
The commercial impact
Real-time
FNOL intake & triage the moment a claim lands
Guidewire
Built on ClaimCenter / Duck Creek — no replacement
↑ Recovery
Surfaces subrogation opportunities humans miss
Weeks
Typical time to go live, not months
Fixed-price
Scoped to outcomes, ROI agreed up front
Human-in-loop
Review on exceptions, full audit trail
Our approach
From manual to automated
- 01Map your claims flow
We document FNOL intake, triage rules, and routing across your lines of business.
- 02Build on your core system
We layer AI extraction and triage onto Guidewire/Duck Creek without disrupting adjusters.
- 03Tune & validate
We test against real claims and tune classification and subrogation rules to your data.
- 04Deploy & measure
Go live and track FNOL cycle time, touchless triage rate, and recovered subrogation.
Why a custom build beats off-the-shelf
- Layers onto Guidewire/Duck Creek — adjusters keep their existing tools.
- Triage rules tuned to your lines of business, not a generic engine.
- Reads the messy real-world docs (police reports, photos) off-the-shelf tools choke on.
Frequently asked questions
Do we have to replace Guidewire or Duck Creek?
No. We build automation layers on top of your existing core systems, so your adjusters keep working in the tools they know.
What documents can the triage system read?
Police reports, medical bills, estimates, and claim photos — structured and unstructured. We tune extraction to your specific lines of business.
How is ROI measured for claims automation?
We track FNOL cycle time, touchless triage rate, and recovered subrogation dollars, and report against the targets agreed before the build.
How accurate is automated triage?
Triage runs against rules we tune to your historical claims, with human review for edge cases — accuracy improves as the system sees more of your data.
How long does it take to deploy?
Most builds go live in 4–6 weeks, depending on the number of lines of business and integration points.
What does it cost?
Engagements are fixed-price and scoped to the outcome. Every engagement is fixed-price with ROI targets agreed up front, backed by our 90-day ROI guarantee. Book a free audit for a clear price and ROI estimate.