01
Claims inbox triage
FNOL emails, photos, PDFs and portal submissions read, classified by type and severity, checked for missing information and routed before a handler opens them.
AI for Insurance and Claims Handling
Move claims through handling faster, from triaging the claims inbox to validating reports and updating customers, so handlers spend their time on judgement, not data entry.
What it does
We build AI tools that take data entry out of claims handling, from first notification to settlement, so every touch adds judgement.
Tom&Co AI builds AI automation for insurers, MGAs, loss adjusters and claims firms. We read FNOL emails, photos, PDFs and portal submissions, check claims for completeness, cross-check reports, invoices and policies for anomalies and coverage gaps, and draft updates for suppliers and customers.
02
Validation and fraud signals
Contractor reports, invoices and policy wording cross-checked automatically, with out-of-benchmark costs, mismatched dates, cover gaps and duplicates flagged for review.
03
Supplier and customer updates
Status updates, information requests and contractor instructions drafted from live claim data and sent on approval, with the audit trail written as you go.
These are the problems we see most often in insurance and claims teams. Yours won't be identical, so every build starts with understanding how your business works, then shaping the solution around your systems, team and goals.
How AI automation works for insurance and claims teams
An example: a new claim arrives by email.
The AI reads the FNOL email and attachments, extracts the claim details and checks nothing is missing.
It classifies the claim and routes it to the right handler.
It cross-checks reports, invoices and the policy, and flags cost anomalies and coverage gaps.
It drafts status updates and supplier instructions for the handler to approve.
How we'd approach it
Discovery
A half-day mapping one claim type from FNOL to settlement, and where the days go.
First build
Usually claims inbox triage or report validation, integrated with your claims platform.
Scale
Extend across claim types and into supplier communication and reporting, with governance built in.
Proof it works.
Documents reviewed against defined rules with exceptions flagged, saving 40% of staff time. The same pattern checks adjuster reports.
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ReportingProfessional Services Firm
AI-Powered Report Auditing
Automated field reports audit — checking against business rules related to factual accuracy, compliance with internal standards and grammatical quality.
40%Staff time saving
View case study →FAQs
Insurance and claims AI automation FAQs
What can AI automate in claims handling?
FNOL inbox triage, completeness checks, cross-checking reports, invoices and policies, and drafting supplier and customer updates.
Does AI make claims decisions?
No. It removes the data entry so every decision stays with a handler.
Can AI detect fraud?
It flags signals such as cost anomalies and coverage gaps for a handler to review. It doesn't decide on its own.
Does it work with our claims system?
We build on the systems you already use. We confirm the integrations in Discovery.
How long does it take?
A half-day Discovery, then a first build that typically takes two to four weeks.
Ready to transform your claims operations?
Not sure where AI fits yet? Tell us what's slowing your team down and we'll show you what's possible, whether it's on this page or not.
Let's Talk