Kernel is an independent adjusting firm for property insurers. We work overflow and high volume claims to your guidelines. Wind, hail, water, theft, ALE. No bodily injury, no liability.
Today an overflow file gets zipped and sent over a wall, and first contact happens eventually. Here is day one at Kernel.
Storm season included.
A licensed adjuster's name is on every file, every decision, every report. The software carries the routine steps. Licensed adjusters make the calls that matter.
The two sides talk. Before a decision goes out, the software puts everything that bears on it in front of the adjuster: the policy wording that applies, the evidence pointing each way, the questions a careful supervisor would ask. Judgment stays with the adjuster, now with the full picture in front of them.
Today this covers property claims suited to desk adjusting, up to an authority limit we agree with you. Wind, hail, water, theft, and additional living expense, plus the high volume desk work that sits in queues. We do not handle bodily injury or complex liability.
Reports arrive in one consistent structure, in your format if you have one. Your examiners never relearn a format.
The full sample is available under NDA, with the methodology behind it.
Request the sample reportA licensed adjuster is responsible for each claim we touch, and your examiner keeps the approvals your guidelines require. Your oversight stays as it is. What you gain is visibility: each decision leaves a record, so you can trace why a file went the way it went, step by step.
Applying your policy wording consistently cuts both ways. Fewer overpayments. Fewer missed coverages.
Files drift from guidelines in any claims operation, and the drift costs real money. Industry studies put claims leakage at 5 to 10 percent of claim payments, higher again where files reach litigation. Finding it was the founding team's trade. Audit tools review the file after the fact. Kernel handles the file. The same checks that find leakage in an audit run inside every file we carry, while it is open.
Best practice does not sit in a binder waiting to be remembered. The system carries it into each file, and when a reviewer corrects a file, the correction tightens the system for the files that follow.
Claims data lives in the jurisdiction you name, and our agreements with model providers prohibit training on it. We support two deployment modes. Your security team picks.
Models running on infrastructure we control, dedicated to your engagement, in your region.
Model traffic under enterprise terms, with no training on your data and contractual retention limits.
An adjusting firm. You assign files, licensed adjusters carry them, and reports come back in a form your examiners already know. The software stays in the background.
Adjusting is licensed jurisdiction by jurisdiction, and a licensed adjuster of record carries each file. We walk through the licensing picture for your jurisdictions in the first conversation.
Work starts the day the file arrives: the file is read, the wording is checked, and first contact is drafted. A licensed adjuster reviews and sends it. How much of that outreach runs automatically is your call, made in setup, and every automated message identifies itself as automated.
Only if you allow it, and only for routine updates and requests, sent under the licensed adjuster on the file. Conversations that call for judgment or care happen person to person, with the adjuster on the line.
We adapt to yours. Files arrive however you send them today, reports come back in your format, and you watch status in between. Platform details can wait for the first call.
The usual file, under NDA. Licensing details, insurance certificates, security documentation, and the methodology behind the software.
Two policyholders with the same claim get different outcomes, different timelines, different treatment. No rule was broken. Claims work runs on thousands of judgment calls, and drift creeps in wherever attention runs short.
We did not find that fair. So we built a firm that handles each claim the way the insurer intended, to one standard.
The team brings claims, engineering, and consulting backgrounds. Kernel is built for insurers in Canada and the United States.
In one 30-minute call we walk through how a file moves, what the oversight looks like, and where your leakage is hiding.
Prefer email? contactus@kernelinsurance.com