Insurance is a promise. The claim is the moment the promise is kept - or broken.
Today that moment takes twenty-four days, leaks five to ten percent of every dollar, and decides whether the policyholder ever renews. Claims teams didn't get slower - claims got heavier. More documents, more regulation, more fraud, more litigation, while every stage still waits on a human reading paper.
Hesper turns the claim itself into software. Every stage runs the moment the last one finishes. Every decision carries its evidence. People handle judgment, not paperwork.
Claims Crawl. Costs Climb.
The average property claim still takes 40.7 days from first notice to final payment (J.D. Power 2026). Claims are the largest cost line an insurer manages - and every stage still waits on a human reading documents.
- Cycle times measured in weeks, not days
- 5-10% of every claims dollar lost to leakage
- Adjusters buried under 100+ open files each
We Run the Whole Claim.
AI agents execute every stage from first notice to final recovery. Your team keeps authority over every decision - the agents do the reading, gathering, drafting, and checking.
- Straight-through resolution for clean claims
- Investigation-grade workups for suspicious ones
- Every action logged, every decision cited
Speed for Policyholders. Control for Claims Teams.
Claims resolve in hours instead of weeks. Payments and denials carry their evidence. Volume scales without headcount - and your best people spend their time on judgment, not paperwork.
- Hours instead of weeks, at every stage
- Evidence behind every payment and denial
- Scale claim volume without scaling the team
One platform. Eight stages.
Zero handoffs.
From the first notice of loss to the last recovered dollar, Hesper's agents run each stage the moment the last one finishes - and hand your team the evidence, not the busywork.
FNOL & Intake
- Omnichannel capture - portal, email, phone, agent
- Extraction from ACORD forms, emails, photos
- Claim created in your core system, severity flagged
Triage & Assignment
- Severity, fraud & litigation scoring in minutes
- Straight-through routing for clean claims
- Right adjuster by license, skill, and load
Coverage
- Full policy & endorsement analysis
- Cited coverage position on the loss facts
- ROR and coverage letters drafted
Investigation
- Complete evidence workup in hours, not weeks
- Records pulled, summarized, cross-checked
- Fraud detection built into every claim
Estimation & Valuation
- Damage quantified from photos and documents
- Supplements adjudicated against original scope
- Reserves recommended and kept current
Settlement
- Demand packages digested in hours
- Valuations benchmarked, responses drafted
- Litigation risk flagged early
Payment & Closure
- Correct amount and payee stack computed
- Anomalies caught before release
- File closed the moment obligations are met
Recovery
- Every file screened for subrogation & salvage
- Demands and arbitration filings auto-drafted
- Missed dollars found and pursued
Insurers recovered $51.6B through salvage and subrogation on auto lines alone in 2021. Hesper screens every file so recoveries aren't left behind.
Journal of Insurance Regulation (NAIC), 2023Claims, before and after Hesper.
- 40.7 days from first notice to final payment on a property claim
- Adjusters chase documents across weeks of email
- 5-10% of every claims dollar leaks
- Suspicious claims wait weeks for investigation
- Recovery spotted only when someone notices
- Scale means headcount
- Clean claims resolve in hours, straight through
- Evidence gathered the moment the claim arrives
- Every dollar checked against the evidence file
- Investigation-grade workup in hours, not weeks
- Every file screened for subrogation and salvage
- Scale means software
Where your claims dollar leaks.
Set your book, flip to Hesper, watch the dollars come back. Directional - built on EY and NAIC benchmarks.
Evidence-checked payments plus recovery screened on every file.
The only claims AI with an investigation engine inside.
Every automation vendor routes the hard claims to humans. Hesper works them. Built-in fraud detection plus a 15-phase investigation engine means every claim gets SIU-grade scrutiny - not just the flagged few.
- Document forensics, statement cross-referencing, timeline reconstruction
- SIU referral packages and NICB / DOI-ready reporting
- Works standalone or downstream of FRISS, Shift, and Verisk
AI claims automation that
actually works.
Built to answer the four questions every claims leader asks - at pilot, at renewal, and every day on the desk.
Every page, read end to end.
A claim file is often a thousand pages from a hundred sources - FNOL notes, medical records, legal demands, photos, recorded statements, handwritten notes. Hesper reads across all of it, connects the pieces into one story, and surfaces the contradictions and gaps. Straightforward claims move faster; the harder ones get the depth they deserve.
One platform for every line.
Built for regulated industry.
SOC 2 Type I attested
Customer-controlled retention - claim file data and investigation output are kept for your subscription term and deleted on your written instruction.
Encrypted end to end
All data encrypted in transit and at rest. GDPR-ready processing across every stage of the claim.
Auditable by design
Every AI action logged, every decision cited. Files are defensible to regulators, reinsurers, and courts.
No rip-and-replace
API integration with the core systems you already run. Hesper picks a claim up at FNOL or at any stage in between.
Questions claims leaders ask.
First Notice to
Final Recovery.
Hesper's AI agents resolve clean claims straight through and investigate the suspicious ones in hours, not weeks.
First notice to final payment, property claims (J.D. Power 2026)
Of every claims dollar lost to leakage
Open files per adjuster
Insurance is a promise. The claim is the moment the promise is kept, or broken.
Today that moment takes twenty-four days and leaks five to ten percent of every dollar. Claims teams didn't get slower, claims got heavier. Hesper turns the claim itself into software: every stage runs the moment the last one finishes, every decision carries its evidence, and people handle judgment, not paperwork.
Read the manifesto →One platform. Eight stages. Zero handoffs.
Swipe through the lifecycle.
The claim arrives, from anywhere.
Portal, email, phone or agent. ACORD forms, photos and emails are read on arrival, severity flagged, clean claims routed straight through.
FNOL & Intake · Triage & AssignmentChecked against the policy, then worked.
Coverage verified against the loss facts. Suspicious claims get built-in fraud detection and a 15-phase investigation, every finding cited.
Coverage · InvestigationValued, negotiated, settled.
Estimates reviewed, demand packages digested, reserves recommended, settlement supported with the evidence file behind it.
Estimation & Valuation · SettlementPaid, closed, recovered.
Payment verified, the file closed, and every claim screened for subrogation and salvage before it goes quiet.
Payment & Closure · RecoveryThe only claims AI with an investigation engine inside.
Every automation vendor routes the hard claims to humans. Hesper works them. Built-in fraud detection plus a 15-phase investigation engine means every claim gets SIU-grade scrutiny, not just the flagged few.
- Document forensics, statement cross-referencing, timeline reconstruction
- SIU referral packages and NICB / DOI-ready reporting
- Works standalone or downstream of FRISS, Shift, and Verisk
AI claims automation that actually works.
Every page, read end to end.
Thinks like your best examiner.
Every decision cites its sources.
Autonomy you can defend.
Claims, before and after Hesper.
Where your claims dollar leaks.
Of every claims dollar leaks before it reaches the claimant: overpayment, missed recovery, fraud that was never worked. See what that is on your book.
Run the numbers →One platform for every line.
Built for regulated industry.
Move every claim forward.
Bring your messiest claim. We'll show you the workup.