Catch Risk Early
Resolve Claims Faster
Predict risks early, prevent escalation, and protect portfolio profitability.
Overview
Pinpoint's claims models flag high-impact risks at the earliest possible moment — at quote, at FNOL, or during early handling, before they show up as costs. Claims teams use the signals to triage faster, allocate resources strategically, and reserve with more accuracy.
Act Earlier to Reduce
Claim Severity
Identify high-risk claims sooner, allocate resources more effectively, and improve outcomes across your portfolio.
-
Identify claims likely to involve attorneys
How It Works
Pinpoint flags claims likely to involve attorney representation at or immediately after FNOL — often before legal involvement is formally confirmed. The model requires no historical claims data to deploy.
What You Get
- Early visibility into claims at risk of escalation
- Better preparation for complex or sensitive cases
- More informed resource allocation
How It Fits Into Your Workflow
Pinpoint adds a simple signal to each claim, helping your team adjust handling strategies early without changing their process.
-
Spot claims headed for litigation early
How It Works
Pinpoint identifies claims most likely to escalate into litigation, often before any legal action begins. The model surfaces signals from claim characteristics and historical patterns so adjusters can act early on high-risk cases.
What You Get
- Early warning on claims likely to litigate
- Better preparation for high-exposure cases
- More strategic resource allocation across the team
How It Fits Into Your Workflow
Pinpoint brings litigation risk signals into your existing claims workflow, helping your team prioritize cases and intervene earlier.
-
Catch fraud signals before they become losses
How It Works
Pinpoint analyzes incoming claims to surface those most likely to involve fraud or misrepresentation. The model flags suspicious patterns at FNOL or during early handling, giving SIU and adjusters time to investigate before payment.
What You Get
- Earlier visibility into potentially fraudulent claims
- Stronger SIU referral targeting
- Reduced exposure to fraudulent payouts
How It Fits Into Your Workflow
Pinpoint flags high-probability fraud cases directly in your claims workflow, so your SIU and adjuster teams can investigate without changing their process.
-
Identify large losses before they develop
How It Works
Pinpoint analyzes claim characteristics at FNOL or early handling to flag claims likely to develop into high-severity losses. Adjusters get an early signal so reserves, resourcing, and handling strategy can match the actual exposure.
What You Get
- Earlier identification of high-severity claims
- More accurate reserves at first notice
- Better matching of claim complexity to handler experience
How It Fits Into Your Workflow
Pinpoint adds a clear severity signal alongside your existing claims process, so your team can resource and reserve appropriately from the start.
-
Understand cause of loss earlier
How It Works
Pinpoint surfaces likely cause of loss patterns at FNOL using claim characteristics and historical data. Adjusters get a clearer picture of what they're handling earlier in the lifecycle, supporting faster triage and stronger handling decisions.
What You Get
- Faster claim triage based on likely cause
- Better matching of adjusters to claim type
- More informed handling decisions early in the process
How It Fits Into Your Workflow
Pinpoint integrates the cause of loss signal directly into your claims system, helping your team route and resource claims more effectively from the start.
Identify claims likely to involve attorneys
How It Works
Pinpoint flags claims likely to involve attorney representation at or immediately after FNOL — often before legal involvement is formally confirmed. The model requires no historical claims data to deploy.
What You Get
- Early visibility into claims at risk of escalation
- Better preparation for complex or sensitive cases
- More informed resource allocation
How It Fits Into Your Workflow
Pinpoint adds a simple signal to each claim, helping your team adjust handling strategies early without changing their process.
Spot claims headed for litigation early
How It Works
Pinpoint identifies claims most likely to escalate into litigation, often before any legal action begins. The model surfaces signals from claim characteristics and historical patterns so adjusters can act early on high-risk cases.
What You Get
- Early warning on claims likely to litigate
- Better preparation for high-exposure cases
- More strategic resource allocation across the team
How It Fits Into Your Workflow
Pinpoint brings litigation risk signals into your existing claims workflow, helping your team prioritize cases and intervene earlier.
Catch fraud signals before they become losses
How It Works
Pinpoint analyzes incoming claims to surface those most likely to involve fraud or misrepresentation. The model flags suspicious patterns at FNOL or during early handling, giving SIU and adjusters time to investigate before payment.
What You Get
- Earlier visibility into potentially fraudulent claims
- Stronger SIU referral targeting
- Reduced exposure to fraudulent payouts
How It Fits Into Your Workflow
Pinpoint flags high-probability fraud cases directly in your claims workflow, so your SIU and adjuster teams can investigate without changing their process.
Identify large losses before they develop
How It Works
Pinpoint analyzes claim characteristics at FNOL or early handling to flag claims likely to develop into high-severity losses. Adjusters get an early signal so reserves, resourcing, and handling strategy can match the actual exposure.
What You Get
- Earlier identification of high-severity claims
- More accurate reserves at first notice
- Better matching of claim complexity to handler experience
How It Fits Into Your Workflow
Pinpoint adds a clear severity signal alongside your existing claims process, so your team can resource and reserve appropriately from the start.
Understand cause of loss earlier
How It Works
Pinpoint surfaces likely cause of loss patterns at FNOL using claim characteristics and historical data. Adjusters get a clearer picture of what they're handling earlier in the lifecycle, supporting faster triage and stronger handling decisions.
What You Get
- Faster claim triage based on likely cause
- Better matching of adjusters to claim type
- More informed handling decisions early in the process
How It Fits Into Your Workflow
Pinpoint integrates the cause of loss signal directly into your claims system, helping your team route and resource claims more effectively from the start.
Pinpoint has provided game-changing new data to drive markedly improved loss ratios through better risk selection and claims handling.
Key Claims Benefits
Catch Risk Earlier
Identify litigation, fraud, and large-loss claims before costs escalate.
Act More Proactively
Allocate resources strategically to improve closure rates and outcomes.
Portfolio Protection
Reduce severity, control costs, and safeguard profitability.
Have a question these models don't answer?
Pinpoint builds custom models for any two-outcome event, validated within 24 hours before anything goes live.
Case Studies
Results in Claims
Personal auto · 714,577 policies
Redirecting acquisition spend with pre-quote Loss Predictions
Personal auto · 714,577 policies
Severity predictions applied across a 715k-policy book
Personal auto · 130,000 claimants
Attorney representation flagged at first notice of loss
Homeowners · ~300,000 policies
Frequency predictions at the top of the funnel
Homeowners · ~150,000 policies
Non-weather water risk priced before the application
Personal auto · 80,000 policies
Holding loss ratio while the book contracted 7%
Homeowners · 200,000 policies
Book roll reshaped by pre-bind Loss Predictions
Frequently Asked
Questions About Claims
How does Pinpoint’s claims optimization help carriers improve outcomes?
What types of risks can Pinpoint’s claims models identify?
Do the claims models require historical claims data to work?
How do these solutions integrate with existing claims workflows?
What benefits can carriers expect from AI-powered claims optimization?
Fast-Track
Profitable Growth
Data Science That Delivers Business Impact
Purpose-built AI for insurers, uniting actuarial expertise and data science to drive smarter, fairer, and more profitable decisions.