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SOLUTIONS  /  INSURANCE CLAIMS/ first notice to settlement

Settle claims in days, not weeks.

Hendl's agents work every open claim at once — chasing what's missing, checking cover, flagging fraud and preparing the settlement — so nothing waits for a handler to remember it.

6.2d
Average claim cycle time
41%
Of claims settled straight-through
−38%
SLA breaches, first quarter

A claim is only slow while it's waiting.

Most of a claim's cycle time is queue time — waiting for a document, a call-back, a handler with capacity. Agents remove the waiting; your handlers keep the decisions.

TODAY
Claims sit in queues between every handling step
Missing documents are chased when someone notices
Cover checks wait for a handler with capacity
Fraud referrals happen late, after work is sunk
Reserves lag the facts of the claim
WITH HENDL
Agents work every open claim continuously, in parallel
Missing items chased automatically from day one
Cover checked against the policy within minutes of notice
Fraud signals scored at intake, before handling starts
Reserves recalculated as each new fact lands

Every stage of the claim, worked in parallel.

From first notice to recovery, agents keep each claim moving on every front at once — and surface a decision only when one is needed.

FNOL intake

First notice captured from any channel — email, portal, phone note or broker.

Triage & routing

Severity scored and the claim routed to fast-track, handler or referral.

Cover verification

Policy terms checked against the loss, with the clauses cited.

Fraud screening

Claim, claimant and network signals scored before handling begins.

Evidence chasing

Estimates, reports and references requested, tracked and chased.

Reserving

Reserves proposed and updated from the file — never left stale.

Settlement preparation

Figures, deductions and the offer letter drafted for approval.

§
Recovery & subrogation

Recovery prospects flagged and the claim packaged for pursuit.

A CLAIM, HOUR BY HOUR

From notice to a settlement, ready to approve.

A notice lands, the claim opens itself, and by the time a handler looks at it the cover is checked, the reserve is set and the settlement is drafted.

CLM-5306 · Property, water damage
K. Osei · reported 6h ago
Settlement review
FNOL captured from the policyholder portal
Claim opened · severity scored low
Done
Cover confirmed against the policy
Escape-of-water peril · clause 4.1 cited
Done
Contractor estimate received and validated
Within regional benchmark range
Done
Settlement of £4,820 drafted for approval
Awaiting handler sign-off
Review
AIIs cover in force for this loss?
Yes — policy live since 03 Feb, escape-of-water peril included, clause 4.1.
AIAny fraud indicators?
None. First claim on the policy; no network flags.
AIWhy £4,820?
Validated estimate £5,070 less £250 excess — benchmark range cited.
Ask anything about the claim — Assistant answers from the claim record, with citations.

What claims teams see.

Based on early deployments
33%
Faster cycle time
first quarter
41%
Straight-through settlement
eligible claim types
−38%
Fewer SLA breaches
across all lines
11 hrs
Handler time returned
per handler, per week

Fast, without losing the file.

Speed that survives an audit — every payment gated on a person, every decision explainable, every claim file complete by construction.

Payment gates

No payment, settlement or repudiation without a named handler’s approval.

§
Cited decisions

Every recommendation cites the policy clauses and evidence behind it.

Complete claim file

Every action and source logged in real time — complete by construction.

Referral thresholds

Value, complexity and fraud thresholds route claims to people automatically.

Authority levels

Handler authority limits enforced on every approval, not checked after.

Regulator-ready

Files exportable in a time-stamped, citable form for audit or complaint.

Looking at claims across the whole organisation?
See how insurers run Hendl across every line of business.
Insurance sector →
Enterprise security
GDPR & DPA 2018UK / EU data residencyEncryption in transit & at restTenant isolationRole-based accessFull audit trail

Questions claims leaders ask.

Which claim types can go straight-through?

You define eligibility — typically low-value, low-complexity claims with clean fraud scores. Everything else routes to a handler with the file already prepared.

How does it connect to our claims system?

Hendl reads and writes to your policy admin and claims platforms through governed integrations — Guidewire, Duck Creek, Sapiens and REST APIs.

What happens when a claim turns contentious?

The claim escalates to your team with the full file intact — and can carry straight into a Hendl disputes case without rebuilding the record.

How fast is a pilot?

A guided pilot on one claim type typically runs in weeks — Hendl maps your process and connects your systems before the first agent runs.

Take the waiting out of your claims. Start with one claim type.

A guided pilot on a single claim type, running on your own claims in weeks — fully supported.

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