Insurance Claims
400,000 adjusters retiring by 2026. Claim cycle times at a record 44 days. The backlog compounds daily.
Klarefi turns fragmented claim submissions into complete, cited case files. Your adjusters open verified facts on Monday morning instead of a pile of raw attachments.
“The accident occurred on 14 February 2026 at approximately 15:30 on the A10 motorway near exit 9.”
Customer letter, page 1
“Total repair estimate: EUR 12,400 including VAT, as per attached mechanic invoice dated 18 February 2026.”
Mechanic invoice, page 2
“Policy schedule reference NL-MOT-2024-88412, motor comprehensive cover, effective 1 January 2024.”
Policy schedule, page 1
The problem
Your adjusters carry 130+ open claims. They spend 30% of their time on admin, not adjudication.
Claims arrive in pieces. FNOL notifications, damage photos, police reports, customer letters. Email, portal, post. Half the data is missing. Adjusters spend hours chasing claimants before they can start adjudicating.
The industry tells you to hire more adjusters or replace your claims core. But 400,000 insurance professionals are leaving the industry by 2026 and only 4% of millennials want to replace them. You cannot hire your way out of this. Every manual claim costs $40 to $60 to process. Each rework adds another $25. Manual data entry causes 42% of all claim rejections.
Meanwhile, 83% of dissatisfied claimants switch carriers. The number one complaint is speed. Every day of delay costs you policyholders.
5-10%
of claims spend lost to leakage
PwC / VCA Software
0 days
FNOL to final payment, longest on record
Talli.ai, 2025
$0B
in premiums at risk from poor claims experience
Accenture, 2022
How it works
You do not need a new claims core. You need an intelligent front door that delivers verified cases.
Step 01
Form
Guided intake collects the right documents in the right format.
Step 02
Fact
Every document is read. Every value is extracted and cited to its source page.
Step 03
Verify
Missing evidence is flagged. The applicant gets an upload link before your team opens the file.
Klarefi is an intake operating system that turns fragmented claim submissions into complete, cited case files. Three steps. Form: claimants submit through guided intake. Fact: every document is read, every value is extracted and traced to its source page. Verify: gaps are flagged and the claimant gets an upload link before your adjuster opens the file.
Purpose-built for
Your workflow
What your adjusters see Monday morning
Pre-verified cases ready for judgment before your team starts the day.
“...the accident occurred on 14 February 2026 at approximately 15:30 on the A10 motorway near exit 9...”
Customer letter, page 1, paragraph 3
Missing: Police report (Proces-verbaal)
Required for motor claims above €5,000. Not found in submitted documents.
Push to Claims Core
All fields verified · 4 documents processed · 2.1s
Three new claims arrived overnight. Each one read, extracted, and ranked by priority before your team logged in.
Built for claims intake at scale
Cited evidence per field
Every extracted value links to its source quote and page. Policy number, incident date, claim amount. All cited, all defensible.
Gap detection before review
Missing police reports, repair estimates, and medical records flagged before an adjuster opens the file. Gaps chased automatically.
Claimant outreach
Claimants upload missing documents from a guided link on their phone. Your team spends zero time on follow-up calls and reminder emails.
Learns from corrections
Adjuster feedback improves extraction accuracy every cycle. The system gets better with every claim it processes.
See it on your actual claims documents
Send us your hardest claims. In two weeks, we show you cited extractions and coverage numbers. If we do not reduce your manual triage time by 50%, we work for free until we do.
Backed by our 30-day “work for free” conditional guarantee.
A 90 seconds read, improvements forever.