Rethinking Loss Runs and Claims Intake

Every carrier knows the pain of loss runs and claims documentation. They arrive late, they arrive messy, and they don’t arrive in a format that plays nice with your systems. A single submission might include: 

• 30 pages of scanned loss runs with inconsistent tables
• Handwritten FNOL forms faxed or emailed as PDFs
• Supplemental claims notes buried in attachments 

For underwriters and claims teams, this means hours of manual review and data entry — and every delay risks slowing down quotes, extending claims cycles, and frustrating both agents and policyholders. 

It’s not just an operational nuisance — it’s a strategic blind spot. In an industry where speed and accuracy are everything, carriers can’t afford to have their best people bogged down by clerical work. 

Where AI Changes the Equation 

Advances in AI are finally making it possible to treat loss runs and FNOLs as data, not just documents. With tools like Appulate FORMS AI: 

• Loss runs are ingested and normalized no matter the format.
• FNOLs and claims packets become structured data that can flow directly into core systems.
• Errors and omissions are reduced, giving decision-makers more confidence in the data they rely on.
• Turnaround times shrink, from the submission desk to claims triage. 

As carriers look toward 2025, the winners will be those who rethink document intake not as a back-office function, but as a strategic advantage. Loss runs and FNOLs are never going away — but the pain they cause can. 

The question is no longer “Can we process these faster?” It’s “What opportunities are we missing because we’re still processing them the old way?” 

If you’d like to see what AI-driven claims intake looks like in practice, schedule a short demo. 

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