Thinking on claims, AI, and the people between
Essays, not content marketing. We publish when we have something to say.
Essay · October 2026 · Inge Combrink
What 400,000 retirements cost a claims team
A license takes a season. Judgment takes three to five years of real files. Why the retirement wave is a judgment problem, not a headcount problem, and what a claims team can do before it walks out the door.
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Guide · October 2026 · Tom Welgemoed
Unstructured claims documents: insight without a core swap
Most of a property claim lives in PDFs, estimates and fine print. How carriers turn those documents into decisions without replacing their core system.
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Guide · October 2026 · Tom Welgemoed
Claims automation vs claims intelligence: which do you need?
Automation moves the claim. Intelligence reads it and defends the decision. What each does well, where automation stops, and which a property carrier needs first.
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Guide · October 2026 · Tom Welgemoed
Alternatives to manual review of claims PDFs and adjuster notes
What manual review misses under pressure, three alternatives carriers use, and five questions to put to any vendor.
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Guide · October 2026 · Tom Welgemoed
A property claim, walked through
One fictitious wind and hail claim in Oklahoma, from upload to letter: seven coverage traps, and the calls its adjuster makes.
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Essay · July 2026 · 3 min read
You can't hire your way out of September
A hurricane can multiply a claims queue within days, and the care owed on each file doesn't shrink to match. Why staffing plans answer volume but not variance, and why the routine tier is earned in a calm spring, not declared at landfall.
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Essay · June 2026 · 3 min read
The most human we've ever been
The scarce resource in a claims department was never judgment or care. It was time, and the time was being eaten by reading. Why we ask "what does this hand back?" about every feature, and what the job looks like when the machine gets the reading.
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Essay · May 2026 · 3 min read
Why we publish exactly one number
AI vendor websites are walls of suspiciously round statistics. Ours quotes one measured result and labels everything else as being measured. What a published number costs, and why selling to people who audit claims for a living changes how you write.
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Essay · April 2026 · 3 min read
What a claim file should remember
Most claim files remember conclusions and forget reasoning. That amnesia costs twice: once in the dispute you can't defend, again in the knowledge that leaves with every retirement. Why ClaimVision's record is append-only from day one.
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Essay · March 2026 · 3 min read
The most expensive sentence in insurance is "it depends"
Some policy language genuinely reads two ways, and both readings are defensible. What AI should do at that moment: not decide silently, not shrug, but present each reading with its dollar consequence and let a person rule, on the record.
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