Claims handling is over-touched, under-instrumented, and overdue for AI.
Legacy claim models lean on broad assignments, repeated handoffs, and inconsistent documentation. The result: inflated LAE, slow cycle time, and quality leakage no spreadsheet can fix.
Otter rebuilds the workflow around discrete tasks, the right human resource, with an AI layer that captures, scores, and routes so every claim moves with intent.
THE OTTER MODEL
A task-based, AI-augmented claims model, engineered for modern carriers.
Segment the Work
Claims are automatically triaged by complexity, peril type, and coverage — routing each task to the right workflow from day one.
Assign the Right Resource
Match field adjusters, desk examiners, inspectors, and specialists based on location, license, expertise, and real-time capacity.
Control the Outcome
Computer vision, AI-assisted documentation, and structured QA gates lock in consistency from first photo to final file.
OTTER SOLUTIONS
Claim services rebuilt around the work and powered by AI underneath.
POWERED BY SCOUTIQ
Computer vision in the field. LLMs at the desk. Predictive routing in between.
ScoutIQ is Otter's proprietary AI platform — pairing every adjuster and inspector with vision models, AI-assisted documentation, predictive triage, and anomaly detection across the claim lifecycle.
- Computer-vision photo capture and scoring
- LLM-drafted scope notes and narratives
- Predictive task routing and anomaly flags
An AI-native operating layer for the claim lifecycle.
Carriers partner with Otter to compress cycle time, tighten documentation, and surface signal — without growing headcount or stitching together another vendor stack.
- Lower loss adjustment expense
- AI-scored estimate & report quality
- Predictive assignment routing
- AI-assisted documentation
- Computer-vision photo review
- Anomaly & fraud signal detection
- Scalable CAT response
- Carrier-ready data, not PDFs
WHERE OTTER FITS
Deployed across daily claims, CAT surge, and AI-assisted inspection programs.
- Daily claims support
- CAT surge support
- Inspection-only workflows
- Mitigation estimate review
- Commercial property inspection
- Quality assurance projects
- Closed file audits
- Carrier pilot programs
Ready to put AI to work inside your claims operation?
Daily claims, CAT response, task-based inspections, quality review, mitigation peer review — Otter delivers the operating model and the AI layer underneath it.