Clara from Claims, a 24/7 conversational AI FNOL agent, enables fully digital data capture and routing in real time, flagging inconsistencies and initiating average first contact in under two hours. Over 70% of homeowner claims are expected to be filed digitally, driving faster, more accurate claim intake.

Agentic AI modules embedded across triage, subrogation, document review and customer communications improve operational workflows, enabling Hippo’s current staffing structure to support a 30–35% increase in claim volume without additional headcount. This balance of AI automation and human oversight targets complex cases requiring judgment.

Aerial imagery and roof measurements facilitate remote estimating, while virtual inspections streamline on-site assessments and accelerate claim payments, especially during catastrophe events. These digital and aerial adjudication tools enhance scalability and customer satisfaction by reducing inspection delays.