How Agentic AI is Transforming Property Claims and Empowering Adjusters with Digital Coworkers

The future of property and casualty (P&C) claims lies in the collaboration between human adjusters and intelligent digital coworkers known as agentic AI agents. Unlike chatbots, these task-specific AI systems are designed to automate repetitive processes across the claims lifecycle while keeping human expertise at the core.

Faced with industry challenges like talent shortages, rising claim volumes from climate-driven events, and growing customer expectations, carriers are leveraging agentic AI to streamline workflows and drive efficiency. These digital agents handle everything from first notice of loss (FNOL) intake and document review to policy verification and compliance auditing — freeing up adjusters to focus on empathy-driven customer service and complex decision-making.

Real-world deployments of agentic AI are delivering measurable results, including increased claim throughput, reduced handling costs, and faster cycle times. Beyond desk adjusters, field adjusters are also benefiting from AI-powered tools that structure claim files, analyze imagery, and support accurate scoping during site visits.

Agentic AI adoption is accelerating across the insurance industry, with implementations often delivering ROI within weeks. Far from replacing adjusters, this technology enhances their role, allowing insurers to meet rising demands with greater speed, precision, and transparency.