Claims that work themselves to a decision
Kognify runs the claim end to end. It takes the first notice of loss from any channel — email, web and app forms, letters, call transcripts, broker submissions — corresponds with the claimant to gather every missing document, pulls the policy and prior history, and recalculates the payout and matches it line by line against coverage and limits. Then it settles within your rules or hands an adjuster a complete, decision-ready file. Your people touch only the claims that genuinely need them.
The claim arrives in a minute. Working it takes days.
A claim rarely lands complete. Someone reads the notice, writes back for the missing photo or invoice, waits, chases, looks up the policy, checks coverage and limits, recomputes the amount — then either settles it or writes up the file for an adjuster. That back-and-forth, multiplied across every channel and line of business, is where cycle time, leakage and goodwill disappear.
Kognify works the claim the way a good adjuster would.
Kognify takes the claim and runs it — it understands the loss, corresponds with the claimant to complete the file, pulls the policy and history, and assesses the payout against coverage. Only when an adjuster is genuinely required does it stop, and it hands over a file that's already done. Here is the path every claim takes:
📥 Intake & understand
Takes the FNOL from any channel and works out what was lost, on which policy, and how serious it is.
💬 Correspond & complete
Replies to the claimant in your voice, requests the missing documents and photos, and chases until the file is whole.
🔗 Pull policy & history
Retrieves the policy, endorsements, prior claims and customer records from your systems and ties them to the claim.
🧮 Recalculate & match
Recomputes the payout bottom-up and matches it line by line against coverage, limits, deductibles and exclusions.
⚖️ Settle or hand over
Settles within the authority you set — or hands an adjuster a complete, decision-ready file with a recommendation.
No adjuster touch needed
File completed, coverage matched, payout within authority and within policy — settled and the claimant answered.
The only claims a person sees
Needs judgement, exceeds authority, or a discrepancy / fraud signal fired — the adjuster gets the full file, the recalculation and a recommended next step. Nothing left to chase.
Where claims leak: the payout, recomputed and matched to the policy.
Gathering documents is half the job — the other half is getting the number right. Kognify rebuilds the payout from the ground up and proves it against the policy: the same verification engine that recalculates and 3-way-matches invoices in our accounting operator, pointed at coverage instead of purchase orders.
Every figure rebuilt bottom-up
Kognify doesn't take the claimed amount at face value. It reconstructs the loss from the evidence — line items, quantities, repair estimates, invoices — and recomputes the payable figure itself before anything moves.
- Line-item extraction from invoices, estimates and reports
- Payable amount recomputed independently of the claimed amount
- Deductible, depreciation and limit applied per policy terms
- Discrepancy and duplicate-claim signals raised, not waved through
Claim ⇔ policy ⇔ limits, line by line
Each element of the claim is checked against what the policy actually covers — in force at the date of loss, within sub-limits, outside exclusions — with every result traced to the clause behind it.
Whether it settles or hands over, the file arrives complete.
Everything Kognify gathers, recomputes and decides becomes one orderly record. When an adjuster picks up a claim, there is nothing to reconstruct and nothing left to ask the claimant.
The loss, understood
Cause and date of loss, line of business, policy and claimant matched, severity, and a plain-language summary of what is being claimed.
The complete evidence file
Every message exchanged with the claimant, the documents and photos requested and received, and the policy and prior-claims history pulled.
The recalculation & recommendation
The recomputed payout, the coverage and limit match, any discrepancy or fraud signal, and the settlement taken or the recommended next step.
Configured the way you'd brief a new adjuster.
No IT consultants, no deployment cycles. Business users define coverage logic, tone of voice, what to collect, settlement authority and when to hand over — in plain language, and live immediately.
Two-way correspondence
Replies to the claimant in your voice, requests the missing documents and photos and follows up — a real exchange, not a stock auto-reply.
Payout recalculation & matching
Rebuilds the payable figure bottom-up and matches it against coverage, limits, deductibles and exclusions — the leakage-control core.
Fraud & discrepancy signals
Flags duplicate claims, inconsistent evidence and amounts that don't add up — routed to a person, never silently paid.
Authority-bound settlement
Settles within the limits and authority you set. Anything outside them stops and goes to an adjuster — never invented.
Deadline & SLA tracking
Starts the regulated settlement clock per claim, warns before breach, and keeps a full timeline for every claim.
Integrates with your stack
Core policy admin, claims and document systems. Webhook-driven hand-off into your existing claims workflow.
Not built from scratch — composed from two live capabilities.
Claims handling composes two capabilities already running in production for enterprise clients — backed by structured onboarding and support, not optimism.
Case & correspondence layer
The engine that runs a case end to end — multi-channel intake, two-way correspondence with the customer, data-gathering and orderly handover. Already in production behind our complaint-handling, presales and support operators.
Recalculate & match verification core
The engine that rebuilds a figure bottom-up and proves it line by line against a reference — recompute, 3-way match, flag discrepancies. Already in production behind our accounting operator, here pointed at coverage and limits.
Serving some of the largest companies in Bulgaria.
The same understanding engine, already in production across finance, banking and other regulated industries.
As one of Bulgaria's leading courier companies, we process thousands of documents every month. With Kognify, in the very first month of deployment we achieved over 98% successfully processed documents — even while the system was still being tuned. The system independently identifies discrepancies and escalates only genuine exceptions. That gives us confidence without losing control.
See it run on your own claims.
Send us a sample of real claims across your channels and we'll show you Kognify correspond, complete the file, recalculate the payout and match it to coverage — then settle or produce the decision-ready handover, each figure traced to its source. Free POC in under 2 weeks; first pilot in production in under a month.