AI claim intake opens for speech and image submissions
Duck Creek opened Agentic FNOL to early-access customers. The software is designed to turn spoken claim reports and images into structured files, ask follow-up questions, compare policy and incident information, and route exceptions to human adjusters. This is a limited release rather than general availability. The company has published no independent error-rate or processing-time results from live claims.
Artificial Intelligence··Evening
The initial claim becomes a structured file
Duck Creek opened Agentic First Notice of Loss (FNOL), a software workflow for the first report of an insurance claim, to early-access customers. The company describes a process in which a policyholder describes a loss in ordinary language instead of completing a rigid form. AI agents receive reports through a website, a phone transcript or a mobile device. They request missing details and arrange the answers in a claim file. The September 28 opening is limited access, not a general release to all insurers. The concrete change is an early-access workflow for bringing reports from several channels into an initial claim record.[1]
Policy and image checks reach human adjusters
Duck Creek’s proposed workflow compares a reported incident with policy coverage, submitted images and existing claim information. Agents are meant to flag inconsistencies and route a file to the appropriate review step. The company says an audit log records the agents’ decisions, while flagged cases go to human adjusters. That distinction matters for assessments involving coverage, injury or suspected fraud; the announcement does not say the agent alone makes a final decision. These are described functions, not results showing that every comparison has been accurate on live claims.[1]
The new layer connects to existing claims software
Agentic FNOL was developed with Google Cloud on Duck Creek’s existing AI-agent platform; the company says it uses Gemini models. Duck Creek Claims, an insurer claim-management system, is the intended destination for the resulting file. Duck Creek says the software can also connect to other core insurance systems. The early-access product is positioned as a layer attached to insurers’ existing claims software.[1]
