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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.
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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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