Decerto Claims AI Processes Complex Insurance Claims in 90 Seconds

Claims automation reaches production scale

Claims technology provider Decerto has released expanded capabilities for its Claims AI platform as US property and casualty insurers transition from experimental AI projects to full-scale operational systems. The platform is now processing complex commercial property claims in less than 90 seconds in live carrier environments, with human adjusters completing their review within an additional five minutes.

Processing costs run approximately $0.05 per claim, according to Decerto, addressing insurer pressure to accelerate claims handling while reducing operational expenses. The timing aligns with industry research showing that customers whose property claims settle within 10 days report substantially higher satisfaction than those waiting over a month.

Multi-model architecture for operational flexibility

Unlike platforms built around a single large language model, Claims AI employs a multi-provider architecture that allows insurers to switch between AI models without extensive redevelopment. The system includes failover capabilities to redirect workloads during service disruptions.

The platform combines document processing, policy analysis, fraud screening, and valuation tools in a unified workflow. It delivers over 99% OCR accuracy across standard claims documentation, including handwritten notes and damage photographs. The system handles intelligent document recognition, scanned endorsement analysis, fraud screening, and policy wording validation across multiple processing stages.

Regulatory compliance and explainability

Decerto designed the platform to align with evolving AI insurance regulations, incorporating support for National Association of Insurance Commissioners guidance, state privacy frameworks, and comprehensive audit trails documenting every claims decision.

A core feature is explainability: Claims AI highlights specific policy wording behind approvals and denials, enabling insurers to demonstrate decision rationale during audits, disputes, or regulatory reviews. The platform integrates with Decerto's Higson business rules engine, allowing carriers to combine rules-based automation with AI-driven document interpretation.

Human oversight maintained

"The carriers I work with don't want adjusters replaced. They want adjusters spending their time on judgment and meaningful decisions, not paperwork," said Decerto CEO Marcin Nowak. "Claims AI handles the reading, data extraction, and policy cross-reference. The decision still belongs to the adjuster—that is a line we will not cross."

The platform automates labor-intensive administrative tasks while keeping complex cases under human supervision. Simpler claims can be processed automatically, while adjusters retain final decision authority.

Why it matters

With insurance fraud costing the US industry an estimated $308 billion annually, carriers need technology that accelerates legitimate claims while identifying suspicious patterns earlier in the process. The shift from AI experimentation to production deployment represents a maturation point for the insurance technology sector, where operational reliability and regulatory compliance now matter more than technical novelty. Decerto's approach—combining automation with mandatory human oversight—addresses both efficiency demands and the regulatory reality that insurers remain accountable for claims decisions regardless of the technology involved.

These details were first reported by FinTech Global.