With the introduction of Clara, Hippo expects more than 70% of homeowner claims to be filed digitally, reflecting a shift toward automated claims processing.
Hippo, an insurance services provider, has announced a major milestone in its claims transformation with the rollout of a scalable, AI-driven claims workflow.
The initiative marks a shift toward a more efficient and responsive claims operation, led by a fully digital first notice of loss (FNOL) experience that combines AI with human expertise to improve communication and decision-making for homeowners.
Central to this transformation is “Clara from Claims,” a conversational AI agent designed to enable a fully digital, always-on FNOL experience by capturing and structuring claim data in real time and routing claims more efficiently.
With the introduction of Clara, Hippo expects more than 70% of homeowner claims to be filed digitally, reflecting a shift toward automated claims processing.
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“We’ve reimagined our claims operation from intake through resolution, moving from legacy systems to a unified platform that enables faster workflows, clearer communication, and more consistent outcomes for homeowners at scale,” said Peter Piotrowski, Chief Claims Officer, Hippo.
Piotrowski added, “By embedding AI across the claims lifecycle, we’re improving accuracy and freeing adjusters to focus on the most complex cases where empathy and judgment matter most, balancing technology with human care to deliver a better experience.”
Agentic AI is embedded across the claims lifecycle, supporting triage, subrogation screening, document review, customer communications, and claim summaries to improve operational efficiency and customer experience.
Since deployment, the system has improved response times, with initial customer contact occurring in under two hours on average, while enabling the company to scale operations without significantly increasing headcount.
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Modernisation also enables digital and aerial adjudication, using aerial imagery and virtual inspections to reduce the need for on-site visits and accelerate claim settlements, particularly during large-scale events.
“Our vision is a claims operation powered by an agentic AI workforce supporting adjusters on everything from first notice through adjudication and audit,” said Kyle Ramsay, Chief Product Officer and Chairman of Hippo’s AI Committee, Hippo.
Ramsay added, “We’ve delivered a new architecture where AI helps manage the volume, and our people focus on judgment. This is how the future of insurance will operate—and we’re excited to bring it to life.”
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