Hurricane-grade claim throughput.
What 2025–2026 looks like for FL insurance.
- 400K+ claims after Hurricanes Helene and Milton overwhelmed adjuster capacity
- Florida's 2026 AI-in-claims bills (HB 527 + SB 202) died in committee — but DeSantis's AI Bill of Rights signals the regulatory direction
- FNOL triage delays compound NPS damage during peak season
- Manual document extraction from policies and inspection reports
- Fraud detection lags behind sophisticated post-disaster patterns
- Adjuster onboarding takes months — unsustainable during surge
Six agent patterns we ship for FL carriers.
Claim triage agents
Multi-agent FNOL → coverage check → severity scoring → vendor dispatch. Compresses days of intake into hours, with full audit trail per claim.
Document extraction
Policy declarations, ACORD forms, inspection PDFs, photos with damage classification — extracted, validated, and routed via Microsoft Foundry agents.
Fraud detection
Pattern matching across claim history, public records, and image forensics. Flags suspicious claims for SIU review with explainable signals.
Adjuster copilots
Per-adjuster agents that draft response letters, summarize claim history, and surface coverage exceptions — cutting cycle time without cutting humans.
Compliance & human-in-the-loop
Every denial decision routed through human review by design — aligned with EU AI Act high-risk requirements and Florida's AI Bill of Rights direction. Build for tomorrow's regulation, not last week's bill.
Legacy core integration
MCP servers connect agents to your policy admin, claims management, and document systems — no rip-and-replace.
What carriers see in the first 90 days.
- 14 → 2 day average claim cycle on storm-surge volumes
- 60% reduction in document review hours per adjuster
- 4x faster fraud-case escalation to SIU
- Audit-ready trail of every AI decision and human override
- Compliance-by-design with pending FL claims-AI legislation
- Surge-capacity that doesn't require contractor armies
Built for the regulation that's coming.
Common carrier questions.
- Does this work with our existing claims platform?
- Yes. We integrate via MCP and your existing APIs — Guidewire, Duck Creek, custom Mainframe. We don't replace your core; we make it agent-friendly.
- Florida's 2026 AI claims bills died in committee. Why design for them?
- Because the regulatory direction is unambiguous — DeSantis's AI Bill of Rights and EU AI Act high-risk classifications both point to mandatory human-in-the-loop on consequential decisions. Carriers building today should design for the rule that's coming, not the bill that didn't pass. It's also operationally sound: HITL on denials reduces NAIC complaints and bad-faith exposure regardless of statute.
- Where does claim data live?
- Inside your Azure tenant. Managed identities, Purview DLP, scoped RBAC. We never train on your data. SOC 2-aligned engagement.
- What about NAIC and state DOI scrutiny?
- We deliver an audit pack: model cards, evaluation reports, override metrics, and bias monitoring — the documentation regulators are starting to ask for. Pablo's MVP credential and Microsoft Responsible AI alignment carry weight here.
- Can you start small?
- Yes. Most engagements start with one workflow (e.g., FNOL triage on auto claims) as a 4–8 week pilot before scaling to property and health lines.
Pick a fixed-scope sprint.
Pre-season is now.
A discovery brief is enough to scope the highest-leverage agent flow for your claims org. We'll tell you what to build first — and what to skip.