Introducing Federato Claims: Closing the loop between superior claims outcomes and intelligent portfolio strategy

Today, we're introducing Federato Claims, an end-to-end claims management solution built on the same AI-native platform that already runs submissions, underwriting, policy administration, and billing.

Instead of just handling claims, your business learns from them

For the first time, insurers can feed claims learnings back into underwriting, pricing, and product in real time, without endless data wrangling. This is only possible because Federato Claims was built from the ground up, on the same AI-native platform and federated context graph as the other parts of the policy lifecycle.

This architectural consistency gives insurers a more connected claims operation and policyholders a smoother experience. Claims information stays connected to the rest of the business, instead of sitting in a separate system that teams have to piece together later. Context is consistently captured and carried forward, so every customer interaction picks up where the last one left off and no one ever has to repeat themselves. Coupled with AI-native process automation built deeply into every experience, this creates a step-change in efficiency for everyone involved.

Whatever loss trends tomorrow’s market may bring, Federato Claims helps you stay ahead of changing conditions, improve service for your customers, and close the loop back to your portfolio strategy:

• Spot the next loss trend while it’s forming.
• Determine if severity is isolated or connected to a segment, form, class, or underwriting decision.
• Proactively adjust appetite, pricing, conditions, or product strategy instead of reacting after losses accumulate.

Federato Claims fixes a broken process

Legacy claims systems were designed to track work and report on what happened once files close. They were never designed to improve your strategy — and that’s no longer acceptable. 

Problems can start before anyone even opens the claim file. For instance, the risk may have been assigned one class code during underwriting and another in claims. When those classifications don’t match, losses can be attributed to the wrong segment, making it difficult to see what’s driving performance and where pricing, appetite, or strategy needs to change. 

At the claim level, the context fragments even further. Picture an adjuster working a routine storm claim. The notes are in the claims system, the missing inspection report is buried in an email thread, and the photos are sitting on a shared drive. When it's time to make the coverage call, they build the case themselves, re-reading the policy and endorsements and writing up their reasoning as a free-text note. That happens on every claim, on every desk. 

Bolt-on AI can summarize information, draft correspondence and suggest next steps inside the same claim-level view. That’s better than nothing, but it only goes so far: the system gets a little bit faster, but it never gets any smarter.

Legacy claims systems leave the business with an incomplete picture. Adjusters have to reconstruct context claim by claim, while leaders can’t see what’s driving losses, why those losses are occurring, or what needs to change. Claims insights stay in claims, instead of feeding back to the rest of the business.

Insurers should do better, and with Federato, they can.

Make your business smarter with every claim 

Federato Claims works the way claims should have always worked, but never could until now. With every coverage decision on every claim, the system learns. 

• When an adjuster makes a coverage call, the system documents the specific policy clause and the reasoning behind the decision. It also structures reserve changes and their supporting context so leaders spot patterns across claims. 
• If a single clause keeps generating disputes, the product team can rewrite the form — in the same system — before more policies are written, reducing the risk of future disputes or litigation. 
• If a segment that looked fine at bind starts showing early severity pressure, underwriting can tighten appetite or add new business conditions, instead of letting that pressure hit the loss ratio.
• If reserves are consistently over their estimate, pricing can adjust the rate on that segment at the next renewal instead of absorbing the surprise a year later. 

A better process, end-to-end

Federato makes every step of the claims process easier, from first notice through payment and closure.

• AI-assisted FNOL intake: Claims start by portal chat, where an AI agent guides the conversation based on the type of loss and adapts its questions in real time. Federato captures what's said, identifies missing information, and structures it into an easy-to-review record for the adjuster, so no one has to repeat themselves.
• Context that carries forward: Every call, email, and document ties to the claim automatically, so every handoff starts with a summary instead of piecing the story together from scratch.
• One end-to-end claims system: FNOL, documents, notes, reserves, payments, and every call or email tied to the claim live in one record.
• Coverage checks in real time: As new facts come in, Federato checks them against the applicable policy language and flags missing information, conflicts, or concerns for the adjuster to review before the claim gets paid.
• Visibility for brokers and policyholders: Anyone with an active claim can check stage, outstanding items, and next steps in their respective portal, while automated updates keep them informed without calling the adjuster.

Claims move faster, coverage calls stay consistent across adjusters, and fewer errors slip through to payment.

The difference Federato Claims makes shows up on the P&L

As coverage decisions get more consistent, leakage drops and combined ratio improves.

As claims insights about a segment, a clause or a form feed back into what underwriting writes or how rates are set, margin compounds over time. 

That’s what happens when better decisioning is built in, not bolted on. 

Want to see Federato Claims in action? Request a demo.