Hippo Rolls Out AI-Driven Claims Workflow Led by Clara, a 24/7 Conversational FNOL Agent

Hippo Holdings announced on April 8, 2026 the rollout of its AI-driven claims workflow. Since deployment, initial contact now occurs in under two hours on average. Hippo expects more than 70% of claims to be filed digitally with the introduction of its FNOL voice agent Clara, and based on internal modeling it expects its current staffing structure could support a 30–35% increase in claims volume, reducing the need for additional headcount as the company scales. "We've reimagined our claims operation from intake through resolution, moving from legacy systems to a unified platform that enables faster workflows, clearer communication, and more consistent outcomes for homeowners at scale," said Peter Piotrowski, Chief Claims Officer at Hippo. "By embedding AI across the claims lifecycle, we're improving accuracy and freeing adjusters to focus on the most complex cases where empathy and judgment matter most, balancing technology with human care to deliver a better experience." The initiative moves Hippo from legacy systems to a unified platform, led by a fully digital first notice of loss (FNOL) experience that blends AI with human expertise to drive proactive communication and faster decisions for homeowners. Central to the change is "Clara from Claims," a 24/7 conversational AI agent that enables an always-on digital FNOL experience by capturing and structuring claim data in real time, flagging inconsistencies, and routing claims intelligently to accelerate resolution. Agentic AI is also embedded across the claims lifecycle, supporting triage, subrogation screening, special investigation unit flagging, document review, customer communications, and claim summaries. Modernization also enables digital and aerial adjudication at scale. Aerial imagery and roof measurements support remote estimating, reducing the need for on-site inspections, while virtual inspections further streamline the process and enable faster payments, particularly during catastrophe events. Kyle Ramsay, Chief Product Officer and Chairman of Hippo's AI Committee, said: "Our vision is a claims operation powered by an agentic AI workforce supporting adjusters on everything from first notice through adjudication and audit."