Claims Filer

What is Claims Filer?

• Automated Damage Detection. Cargo damage is inevitable in global shipping-temperature excursions, water damage, crushing, theft. Claims Filer monitors IoT sensor data and delivery reports to detect potential First Notice of Loss (FNOL) events automatically, flagging claims before the filing deadline expires.

• Evidence Collection Engine. The hardest part of filing a cargo claim is assembling the documentation. The agent gathers bills of lading, packing lists, inspection reports, temperature logs, and photos into a complete evidence package that meets insurer requirements.

• Intelligent Claim Valuation. Using AI to cross-reference commercial invoices, replacement costs, and salvage values, the agent calculates the optimal claim amount. It identifies whether to file under carrier liability, marine cargo policy, or warehouse insurance based on where the damage occurred.

• Deadline and Follow-Up Management. Insurance claims have strict filing windows-often 3-7 days for notice and 9-12 months for formal filing. The agent tracks every deadline and automatically escalates if a response is overdue.

Replaces:

• Manual damage report compilation from scattered emails and phone calls.
• Missed filing deadlines that result in forfeited claims worth thousands.
• Under-valued claims because adjusters lack complete documentation.
• Months of back-and-forth with insurers on incomplete submissions.
• Write-offs on legitimate damage because the claim process is too burdensome.

Why Claims Filer

• Higher Recovery Rates. Complete, well-documented claims with proper valuation recover 40-60% more than hastily filed manual claims. The agent ensures nothing is left on the table.

• Faster Processing. Claims that take operations teams 4-8 hours to compile are assembled in under 15 minutes. The agent works around the clock, ensuring time-sensitive FNOL reports are filed immediately.

• Reduced Write-Offs. Many companies write off small claims (under $5,000) because the administrative burden exceeds the recovery. The agent makes every claim worth filing, recovering revenue that would otherwise be lost.

• Audit-Ready Documentation. Every claim includes a complete chain of custody, timestamped evidence, and regulatory references. This protects against insurer pushback and supports dispute resolution.

How It Works

1. Damage Detection. The agent monitors delivery confirmations, IoT sensor alerts, and exception reports for signs of cargo damage. It classifies the type and severity of damage based on available data.

2. Evidence Assembly. It pulls the bill of lading, commercial invoice, packing list, inspection photos, and sensor logs into a structured claim package. Missing documents trigger automated requests to carriers and warehouses.

3. Claim Filing. The agent calculates the claim value, selects the correct insurance policy, and submits the filing through the insurer's portal or via email-matching the format each insurer requires.

4. Follow-Up and Escalation. Open claims are tracked against response deadlines. If an insurer misses a deadline or requests additional information, the agent responds with the needed documentation or escalates to a human claims manager.