Nobody budgets for leakage, but 80% of customers who have a poor claims experience switch insurance provider or intend to at renewal. You’d be forgiven for thinking it’s frontline failure, but it’s what happens when small manual process frictions add days and multiplies touchpoints across the claims experience..
Change is disruptive. New tools mean new training, changes to workflow and a learning curve. “If it’s not broke, don’t fix it” is a rational stance. But each manual step carries quiet costs: slower claim cycle time, higher dispute rate, rental and storage costs and avoidable payouts.
Delays = rental and storage cost
Manual FNOL and follow-ups add a day here, a day there across a claim, becoming a real cost. With Xtract, you get complete FNOL in minutes; photos, dashcam and telematics linked; structured data posted into the core claims system so nobody is chasing or re-entering information.
Weak or disputed facts
Inconsistent evidence at FNOL (missing media, unclear impact point) pushes files into negotiation and commercial settlements to avoid further cost. Xtract maps the impact point, captures direction of travel, flags injuries, and syncs media at FNOL so the story is clear and liability decisions hold.
Duplicate work and data mismatches
Copy and paste, emailed spreadsheets, and hand indexing create repeated data entry and manual reviews that cost hours.
With Xtract, FNOL is configurable to your reporting fields, media, and driver statements post straight into your core claims system. When fields and formats line up, manual reviews drop.
Escalations: complaints and litigation
Sketched notes and patchy audit trails make cases harder to defend; customers left waiting for updates are more likely to complain and perceive delay.With Xtract: Time-stamped evidence, decision notes, and a full audit trail come standard. Fewer cases escalate, and you are on firmer ground when they do.
Data you can’t price or reserve on
When key details are typed into open text boxes, you get ten ways of saying the same thing (“rear left,” “LHS rear,” “nearside back”). The system can’t add those up or compare them consistently, so reports get messy and it’s harder to set fair prices or put aside the right money.With Xtract, those details are captured as simple choices (impact point, severity, injury) and sent to the core claims system the same way every time.
Duplicate entry falls. Fewer cases escalate. Handlers touch each file fewer times and spend more of that time on judgment rather than paperwork. You’ll see it in cycle days, dispute volume, touches per claim, and the downstream effect on rental and storage. In practice, it means capturing complete FNOL, linking photos/dashcam/telematics, and posting structured data into the core claims system so teams don’t double up on work or chase.
Xtract integrates with your existing systems like Guidewire and Duck Creek. FNOL is configured to your business needs, evidence is packaged automatically, you’ll see fewer hands on files, fewer disputes, and faster, cleaner outcomes without having to switch your core claims system.
Carriers have seen 30/40% faster claim cycle times and 15% higher subrogation recovery after moving to digital FNOL with Xtract. Deployments have gone live in under 90 days, and with claims at 40/60% of insurer costs, these shifts matter.
We’ll take your data and build a claim around it - see a full reconstruction of the event, predicted liability, vehicle damage, weather on the day, photos and dashcam and telematics data consolidated into a claims-ready package your team can act on.
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