--- title: "AI Claims Automation, First Notice to Recovery | Hesper AI" description: "Hesper is the AI claims resolution platform. AI agents run the full claims lifecycle - FNOL intake, triage, coverage, investigation-grade fraud workups, settlement, and subrogation recovery. Minutes, not weeks." canonical: "https://gethesperai.com/" --- Backed by[Y Combinator](https://www.ycombinator.com/)[Afore Capital](https://www.afore.vc/) # AI Claims Processing Every Claim Investigated, Not Just Processed Hesper's AI agents resolve clean claims in minutes, give the complex ones the full workup, and your team signs every call. [Book a demo](https://hesper-ai.cal.com/nitish-gethesperai/intro) ## What is Hesper AI? Hesper AI is an AI claims resolution platform for property and casualty carriers, TPAs and MGAs. Our agents run every claim from first notice to final recovery, with investigation-grade evidence behind every decision. Clean claims resolve straight through, complex ones get the full workup, and your team keeps the decisions. [FNOL intake](https://gethesperai.com/platform/fnol-intake/)[Claims triage](https://gethesperai.com/platform/claims-triage/)[Fraud investigation](https://gethesperai.com/platform/fraud-investigation/)[Subrogation & recovery](https://gethesperai.com/platform/subrogation-recovery/) Status board ## Same flagged claims. Different board. By hand, about 25% of flagged claims are fully investigated, each claim takes 14+ days, an adjuster works about 10 cases a month, and processing phases run one at a time. With Hesper, 100% of flagged claims are fully investigated, in minutes per claim, at 500 cases per adjuster a month, with 15+ processing phases running in parallel. Hesper internal benchmarks on flagged claims. By-hand figures describe typical manual investigation workflows. Our manifesto Insurance is a promise. The claim is the moment the promise is kept - or broken. [Read our manifesto →](https://gethesperai.com/about/) 01Problem 02Solution 03Impact 01 · Problem ## 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 02 · Solution ## 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 complex ones - Every action logged, every decision cited 03 · Impact ## Speed for Policyholders. Control for Claims Teams. Claims resolve in minutes instead of weeks. Payments and denials carry their evidence. Volume scales without headcount - and your best people spend their time on judgment, not paperwork. - Minutes instead of weeks, at every stage - Evidence behind every payment and denial - Scale claim volume without scaling the team The lifecycle ## 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. [See how it works](https://gethesperai.com/how-it-works/) 1. 01 ### [FNOL & Intake](https://gethesperai.com/platform/fnol-intake/) Omnichannel capture - portal, email, phone, agent 2. 02 ### [Triage & Assignment](https://gethesperai.com/platform/claims-triage/) Severity, fraud & litigation scoring; clean claims go straight through 3. 03 ### Coverage Full policy & endorsement analysis, cited coverage position 4. 04 ### Investigation Complete evidence workup in minutes, not weeks 5. 05 ### Estimation & Valuation Damage quantified from photos and documents 6. 06 ### Settlement Demand packages digested, valuations benchmarked 7. 07 ### Payment & Closure Correct payee stack; anomalies caught before release 8. 08 ### [Recovery](https://gethesperai.com/platform/subrogation-recovery/) Every file screened for subrogation & salvage The stack we integrate with ## Plugs into the stack you already run. GuidewireDuck CreekMajescoSapiensOrigami RiskSnapsheetBriteCoreGuidewireDuck CreekMajescoSapiensOrigami RiskSnapsheetBriteCore VeriskISO ClaimSearchXactimateCCCMitchellLexisNexis RiskFRISSShift TechnologyVeriskISO ClaimSearchXactimateCCCMitchellLexisNexis RiskFRISSShift Technology The diagnostic ## Where your claims dollar leaks. Set your book, flip to Hesper, watch the dollars come back. Directional - built on EY and NAIC benchmarks. Claims per year16K Average severity$8K Back on your loss ratio $8.8M /yr Evidence-checked payments plus recovery screened on every file. Claims paid · $122.5M /yr● With Hesper PAID CORRECTLY$113.8MLEAKAGE ▾55%$4.4MRECOVERY MISSED$857KRECOVERED$3.4M EY leakage benchmarks · NAIC recovery data · directional[Get your real number](https://hesper-ai.cal.com/nitish-gethesperai/intro) Lines & segments ## One platform for every line. [### Auto → FNOL to appraisal to subrogation - with staged-accident detection built in.](https://gethesperai.com/use-cases/auto-claims/) [### Property → CAT-surge intake, estimate review, contents valuation - arson and inflation flags included.](https://gethesperai.com/use-cases/property-claims/) [### Workers' Comp → Injury intake, medical records processing, return-to-work tracking.](https://gethesperai.com/use-cases/workers-comp/) [### Homeowners → Water, wind, and fire losses - photo-based scoping, ALE tracking, contractor checks.](https://gethesperai.com/use-cases/property-claims/) [### Pet → High-volume straight-through adjudication with upcoding checks.](https://gethesperai.com/use-cases/pet-claims/) Built for CarriersTPAsMGAsSelf-insured Security & governance ## Built for regulated industry. [SOC 2HIPAA](https://gethesperai.com/legal/security/) ### SOC 2 and HIPAA compliant 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. FAQ ## Questions claims leaders ask. ### What is Hesper AI? Hesper AI is an AI claims resolution platform for property and casualty carriers, TPAs and MGAs. Its agents run every stage of a claim, from first notice of loss through triage, coverage, investigation, estimation, settlement and payment to subrogation recovery, with investigation-grade evidence behind every decision. Clean claims resolve straight through; suspicious claims get the full workup, and your team keeps the decisions. ### How does Hesper integrate with our existing claims systems? Hesper connects to your claims management system (Guidewire, Duck Creek, Majesco, or others) via API and can pick up a claim at any stage - at FNOL for full-lifecycle handling, or mid-stream for investigation, settlement review, or recovery screening. No rip-and-replace required. ### Does Hesper replace our adjusters or SIU team? No. Hesper's agents do the legwork at every stage - intake extraction, evidence gathering, coverage analysis, demand digestion - and your team keeps decision authority. Adjusters and investigators review evidence-backed files instead of building them. ### What types of claims can Hesper handle? Property & casualty across personal and commercial lines: auto/motor, property, workers' compensation, general liability, and pet. The agents adapt their workflow to each claim type - for carriers, TPAs, MGAs, and self-insured programs. ### How fast does a claim move through Hesper? Clean claims resolve straight through in minutes. Claims that need scrutiny get a complete investigation-grade workup in minutes as well - not the weeks a manual investigation takes. Cycle time compresses at every stage, not just one. ### What does the evidence file include? An executive summary, complete evidence package with source documentation, timeline reconstruction, statement analysis with identified inconsistencies, coverage position, risk scoring with rationale, and recommended next actions. Exportable as PDF or via API - audit-ready for regulators and reinsurers. ### How does Hesper handle data security and compliance? We're SOC 2 and HIPAA compliant, GDPR-ready, and all data is encrypted in transit and at rest. Claim file data and investigation output are retained for the duration of your subscription term unless you instruct otherwise in writing, and we never train models on your data. ### How is Hesper priced? Pricing is scoped to your book: lines of business, claim volume, and which agents you deploy. Book a demo and we'll walk through the economics for your claims operation and give you a real number. ## Move every claim forward. [Book a demo](https://hesper-ai.cal.com/nitish-gethesperai/intro) Claims automation research, monthly: Backed by[Y Combinator](https://www.ycombinator.com/)[Afore Capital](https://www.afore.vc/) AI Claims ProcessingEvery Claim Investigated, Not Just Processed Hesper's AI agents resolve clean claims in minutes, give the complex ones the full workup, and your team signs every call. [Book a demo](https://hesper-ai.cal.com/nitish-gethesperai/intro)How it works ↓ ## What is Hesper AI? Hesper AI is an AI claims resolution platform for property and casualty carriers, TPAs and MGAs. Our agents run every claim from first notice to final recovery, with investigation-grade evidence behind every decision. Clean claims resolve straight through, complex ones get the full workup, and your team keeps the decisions. [FNOL intake](https://gethesperai.com/platform/fnol-intake/)[Claims triage](https://gethesperai.com/platform/claims-triage/)[Fraud investigation](https://gethesperai.com/platform/fraud-investigation/)[Subrogation & recovery](https://gethesperai.com/platform/subrogation-recovery/) Status board ## Same flagged claims. Different board. By hand, about 25% of flagged claims are fully investigated, each claim takes 14+ days, an adjuster works about 10 cases a month, and processing phases run one at a time. With Hesper, 100% of flagged claims are fully investigated, in minutes per claim, at 500 cases per adjuster a month, with 15+ processing phases running in parallel. Hesper internal benchmarks on flagged claims. By-hand figures describe typical manual investigation workflows. Why now 40.7 d First notice to final payment, property claims (J.D. Power 2026) 5-10% Of every claims dollar lost to leakage 100+ Open files per adjuster Our manifesto Insurance is a promise. The claim is the moment the promise is kept, or broken. [Read our manifesto →](https://gethesperai.com/about/) How it works ## 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. [See how it works](https://gethesperai.com/how-it-works/) 1. 01 ### [FNOL & Intake](https://gethesperai.com/platform/fnol-intake/) Omnichannel capture - portal, email, phone, agent 2. 02 ### [Triage & Assignment](https://gethesperai.com/platform/claims-triage/) Severity, fraud & litigation scoring; clean claims go straight through 3. 03 ### Coverage Full policy & endorsement analysis, cited coverage position 4. 04 ### Investigation Complete evidence workup in minutes, not weeks 5. 05 ### Estimation & Valuation Damage quantified from photos and documents 6. 06 ### Settlement Demand packages digested, valuations benchmarked 7. 07 ### Payment & Closure Correct payee stack; anomalies caught before release 8. 08 ### [Recovery](https://gethesperai.com/platform/subrogation-recovery/) Every file screened for subrogation & salvage Leakage ## Where your claims dollar leaks. 5-10% 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 →](https://gethesperai.com/roi/) Lines of business ## One platform for every line. 01AutoFNOL to appraisal to subrogation, with staged-accident detection built in. 02PropertyCAT-surge intake, estimate review, contents valuation, arson and inflation flags. 03HomeownersWater, wind, and fire losses. Photo-based scoping, ALE tracking, contractor checks. 04Workers' CompInjury intake, medical records processing, return-to-work tracking. 05PetHigh-volume straight-through adjudication with upcoding checks. Trust ## Built for regulated industry. [SOC 2HIPAA](https://gethesperai.com/legal/security/) SOC 2 and HIPAA compliantCustomer-controlled retention. Claim data and investigation output are kept for your subscription term and deleted on your written instruction. Encrypted end to endAll data encrypted in transit and at rest. GDPR-ready processing across every stage of the claim. Auditable by designEvery AI action logged, every decision cited. Files are defensible to regulators, reinsurers, and courts. No rip-and-replaceAPI integration with the core systems you already run. Hesper picks a claim up at FNOL or at any stage in between. ## Move every claim forward. Bring your messiest claim. We'll show you the workup. [Book a demo](https://hesper-ai.cal.com/nitish-gethesperai/intro)[Email us](mailto:hello@gethesperai.com) [Request a demo](https://hesper-ai.cal.com/nitish-gethesperai/intro)