Decerto has expanded the capabilities of its Claims AI platform for US property and casualty insurers, as carriers increasingly move beyond experimental AI deployments towards production-grade automation.
The Dallas-headquartered insurtech said its flagship claims platform is already operating in live carrier environments, where complex commercial property claims are being processed in under 90 seconds at a cost of approximately $0.05 per claim, with human adjuster review typically completed within an additional five minutes.
The announcement comes as insurers face mounting pressure to accelerate claims handling while reducing fraud exposure and operational costs. According to research cited by Decerto, customers whose property claims are resolved within 10 days report satisfaction scores roughly 167 points higher than those waiting more than 31 days, making speed an increasingly important retention metric for carriers. At the same time, US insurance fraud is estimated to cost the industry around $308bn annually, reinforcing the need for earlier fraud detection and more automated decision-making.
Decerto’s Claims AI platform combines document processing, policy analysis, fraud screening, and valuation tools into a single workflow designed to support adjusters rather than replace them.
In production environments, the platform processes claims through multiple stages, including intelligent document recognition, policy verification, scanned endorsement analysis, fraud screening, and policy wording validation. Claims decisions are ultimately retained by adjusters, with the system generating supporting evidence and draft claimant correspondence for review.
The company said intelligent OCR accuracy exceeds 99% across standard claims documentation, including handwritten notes and damage imagery.
Unlike single-model AI systems, Decerto has built Claims AI on a multi-provider architecture, enabling insurers to switch between underlying language models without lengthy re-implementation projects. The platform also includes failover functionality, allowing workloads to be redirected if a primary provider experiences downtime.
The system has also been designed to align with evolving US regulatory expectations surrounding artificial intelligence in insurance. Decerto said the platform supports requirements linked to the National Association of Insurance Commissioners’ AI guidance, New York cybersecurity regulations, and state privacy frameworks, while maintaining immutable audit trails for every claims decision.
A key feature of the platform is its emphasis on explainable decision-making. Rather than operating as a “black box”, Claims AI identifies and surfaces the exact policy language underpinning claim approvals or denials, helping carriers demonstrate compliance during regulatory reviews or disputes.
The platform also integrates with Decerto’s Higson business rules engine, enabling insurers to combine deterministic rules-based processing with AI-driven document interpretation. This allows simpler claims to move through straight-through processing, while more complex or high-value cases remain under human supervision.
Marcin Nowak said: “What U.S. carriers are buying in 2026 is not another AI tech demo. They are buying production claims automation that plugs into the core systems they already have, accelerates the work adjusters already do, and holds up under DOI audits. Claims AI was built for that buyer, not for a launch slide.”
Nowak added: “The carriers I work with don’t want adjusters replaced. They want adjusters spending their time on judgment and meaningful decisions, not paperwork. Claims AI handles the reading, data extraction, and policy cross-reference. The decision still belongs to the adjuster – that is a line we will not cross.”
The expansion reflects a broader shift in the insurance market as carriers move from AI experimentation to operational deployment, particularly in claims functions where automation can materially improve cycle times, fraud detection, and customer experience while preserving human oversight.
