Visual Verification Is Transforming Insurance Claims

Insurance claims adjusters spend 15-20 hours per week on photo documentation alone. Customers email 50 photos from 12 angles. Adjusters then extract key information, verify it against policy terms, and make decisions. Visual AI agents can automate this workflow end-to-end.

The Current Process

1. Claim filed via phone/app

2. Adjuster schedules inspection or requests photos

3. Customer takes 30-50 photos (often poorly framed or lit)

4. Adjuster reviews all photos, extracting relevant details

5. Adjuster cross-references with policy, builds report

6. Decision made (approve/deny/investigate further)

Timeline: 5-14 days. Cost: $200-400 in adjuster time per claim.

Visual AI Reimagines This

With an Orasi agent on the insurance company's website:

1. Claim filed immediately

2. AI agent guides the customer through photo capture (automatically: here's what to photograph, how to frame it, check lighting)

3. Agent analyzes damage in real-time, flags key information (water damage extent, structural damage, areas of concern)

4. Agent cross-references findings against policy terms automatically

5. Decision made or escalated to a human adjuster (with AI-extracted info ready to review)

Timeline: 30 minutes to 2 hours. Cost: $8-15 in compute per claim.

Outcomes

• 90% faster claims processing

• 85% reduction in adjuster time per claim

• Better customer experience (guided, not left to guess)

• Fraud detection improved (AI can spot inconsistencies humans miss)

• Payouts accelerated (customers paid faster)