AI-Powered FNOL Automation

Turn Every Claim Email Into a Claim Automatically, in Minutes

Built for US P&C carriers, MGAs, and program administrators running Guidewire ClaimCenter and PolicyCenter.
Most FNOL still runs through a CSR queue or a manual portal form. Exasure's Claims Intake Automation Accelerator reads an ordinary policyholder email, validates the sender and policy, checks for duplicates, and creates a live ClaimCenter claim with confirmation sent back to the policyholder in minutes, not days.
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No new app for policyholders. No rip-and-replace of your call center or portal.
01
Email received from policyholder
02
Sender & policy validated
03
Duplicate check passed
Claim created in ClaimCenter
Average time to claim creation
under 5 minutes
Key Outcomes
FNOL in Minutes-Not-Days
Guidewire-Native
Automated Sender & Policy Validation
Built-In Duplicate Checks
Guidewire-Native
Industry Challenge

Manual FNOL intake keeps US claims teams reactive from day one.

For most carriers and MGAs, first notice of loss still runs through a call centre queue or a manual portal form. Email exists as an option, but without built-in validation it's too risky to automate so, it goes largely unused, adding cost,
delay, and inconsistency at the very first step of the claim lifecycle.
Faster Risk Assessment. Better Decisions. Stronger Underwriting Performance.

Intelligent Email-Based Intake

Accepts unstructured FNOL emails directly from policyholders

AI Extraction of FNOL Detail

structures loss date, description, and contact details automatically

Automated Sender, Policy & Duplicate Validation

checked in real time against PolicyCenter and ClaimCenter

Exception Routing

flagged claims go to review, not to a dead end

Automatic Claim Creation

a live claim is created in ClaimCenter with full audit trail

Instant Policyholder Notification

confirmation and claim number sent back automatically
What It Does

From inbox to ClaimCenter, without a single manual step

Four automated stages take a policyholder's email from first notice of loss to a validated, live claim with human review
reserved only for genuine exceptions.
Stage 1

Structured Email Intake

  • Accepts plain-language FNOL emails from policyholders
  • No new app, portal, or login required for the customer
  • Runs alongside existing CSR and portal channels
Stage 2

AI-Powered Validation

  • Confirms sender email against registered policyholder records
  • Verifies policy number and coverage status via PolicyCenter
  • Screens for duplicate or previously reported claims
Stage 3

Automated Claim Creation

  • Creates a structured FNOL claim directly in ClaimCenter
  • No rekeying or adjuster data entry for standard submissions
  • Full audit trail of extracted data and validation checks
Stage 1

Structured Email Intake

  • Accepts plain-language FNOL emails from policyholders
  • No new app, portal, or login required for the customer
  • Runs alongside existing CSR and portal channels
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Business Impact

Built to deliver measurable outcomes for US carriers and MGAs

Impact is measured from the moment a policyholder hits send to the moment a validated claim exists in ClaimCenter.
Industry Challenge

Days → under 5 min

flagged claims go to review, not to a dead end
Manual Processing Effort

60 – 80% reduction

Eliminate manual re-keying and CSR-driven data capture for standard FNOL submissions.
Intake Data Accuracy

Up to 95% fewer errors

Automated sender, policy, and duplicate validation removes manual entry mistakes at the point of intake.
Call Centre Load

20 – 30% fewer FNOL calls

Shift straightforward reporting to a self-service email channel, freeing CSR capacity for complex claims.
Surge & CAT Scalability

2 - 3x claim volume

Absorb catastrophe events and seasonal spikes in FNOL volume without adding intake headcount.
Policyholder Experience

Instant confirmation

Policyholders receive a claim number by email within minutes instead of waiting on hold or for a callback.
Get your impact estimate
Industry Challenge

Manual FNOL intake keeps US claims teams reactive from day one.

Purpose-built for US P&C carriers, MGAs, and program administrators
Native integration with Guidewire ClaimCenter & PolicyCenter
AI-powered email understanding. No structured web form required
Built-in sender, policy, duplicate, and fraud-pattern checks
Exception-based human review, not blanket manual review
Same-channel follow-up across the full claim lifecycle, not just FNOL
FAQ

frequently asked questions

Does this replace our call centre or self-service portal?

No. It adds email as a validated, automated intake channel alongside your existing CSR and portal workflows giving
policyholders another fast, low-effort way to report a claim.

What happens if the sender's email doesn't match our records?

The claim is flagged and routed for human review instead of being created automatically. The same applies to
mismatched policy numbers and suspected duplicates.

How fast is claim creation, realistically?

Standard, validated submissions typically move from email receipt to a live ClaimCenter claim in under 5 minutes,
with no manual intervention.

Does it integrate with our existing Guidewire environment?

Yes. The accelerator is built to work natively with ClaimCenter and PolicyCenter and fits within existing claim
workflows and audit requirements.

Can policyholders use the same email thread for follow-up?

Yes. Status checks, updates, and additional information can be handled through the same email thread and not just the initial FNOL.

Is this limited to one line of business?

No. The accelerator is configurable across personal and commercial lines, so it can be deployed where FNOL volume and manual effort are highest.

Ready to Modernize FNOL Intake?

Turn policyholder emails into validated Guidewire claims in minutes, not days. See how Exasure’s AI-powered accelerator can streamline your claims intake process.

Talk to our solution expert