NEW AI-native operations for U.S. property claims

Property claims,
processed intelligently.reviewed faster.decided by people.

Zentron orchestrates the operational layer of property claims — from FNOL and document intake through evidence review, coverage checks and adjuster-ready preparation.

Human-in-the-loop by designFull audit trail
JM
Adjuster queueFile ready for review
CLAIM WORKSPACE09:41
ZN-18427 · HO-3
Water damage — kitchen
● PROCESSING
Documents0
Evidence linked0
Exceptions0
FNOL & source documentsqueued
Damage & photo evidencequeued
Coverage & file checksqueued
Licensed adjuster reviewqueued
Automation status4 actions completed
~0 daysTypical residential property claim cycle today
0%Of the work is manual file handling, not judgment
0%Of coverage decisions stay with a licensed adjuster
every stepLogged, evidence-linked and reviewable
The problem

Adjusters spend their day on the file, not the decision.

  • 01Evidence is scattered across inboxes, portals, PDFs and phone photos.
  • 02Missing documents surface late, after the claim has already stalled.
  • 03Cycle times drift, and so do customer experience and loss-adjustment expense.

Where an adjuster's hours go ILLUSTRATIVE

Today
With Zentron
Manual file work Handled by Zentron Adjuster judgment Other
The workflow

Built around the file, not the inbox.

Zentron coordinates the repeatable work across FNOL, source documents, loss evidence and file preparation. Exceptions and judgment stay with the licensed adjuster.

Claim record · ZN-1842724 SOURCES
FNOL
First notice of lossPortal submission · 08:12
✓
PDF
HO-3 policy & declarationsPolicy admin system
✓
IMG
Insured photos (×14)Mobile upload
✓
EST
Mitigation estimateContractor email
✓
EML
Correspondence thread (×6)Claims inbox
✓
Extracted facts18 FACTS
Date of lossSep 14, 2026
PerilWater — sudden discharge
SourceSupply line, dishwasher
Affected areasKitchen, hallway
MISSINGPlumber's invoice not yet received — request drafted
Checks1 EXCEPTION
✓Policy in force on date of lossPASS
✓Peril matches covered causesPASS
✓Deductible & limits appliedPASS
!Prior water loss at same address (2023)REVIEW
✓File completeness23/24
Adjuster review notesDRAFT
Claim summary — ZN-18427 AUTO-PREPARED

Sudden discharge from dishwasher supply line on Sep 14, affecting kitchen and hallway flooring IMG-03 IMG-07.

Policy in force; peril consistent with covered causes POL-p4. Mitigation estimate received EST-01.

For review: prior water loss at same address in 2023 — confirm prior repairs were completed HIST-02.

DecisionREADY FOR REVIEW
JM
Licensed adjusterAssigned · File prepared in minutes, not days
Zentron prepares the record. It never approves, denies or settles a claim. The adjuster reviews the evidence, resolves the exception and makes the call.
Human-in-the-loop

AI does the work. People make the call.

Clear division of labor, built into the product rather than bolted on. Every automated action is visible, attributable and reversible.

Zentron Automates

  • Intake & organization of every document, photo and message
  • Fact extraction with links back to the source evidence
  • Completeness & coverage checks that flag gaps early
  • Review notes prepared before the adjuster opens the file
⇄

Adjuster Decides

  • Coverage determinations and claim decisions
  • Exceptions that require judgment or investigation
  • Customer conversations that need a human voice
  • Final sign-off on every file, with full context
Operations view

See every claim's status at a glance.

Supervisors see where each file stands, what's blocking it and who owns the next step. No chasing status updates.

Property claims queueLIVE
ClaimLoss typeWorkflowNext stepStatus
Built for insurers

Designed for regulated claims operations.

Licensed decisions only

Zentron never approves, denies or settles. Decisions are made and signed by licensed adjusters.

Complete audit trail

Every extraction, check and action is logged with a timestamp and a link to its source.

Explainable outputs

Facts and flags cite the document, page or photo they came from, so reviewers can verify quickly.

Fits your core system

Works alongside your existing claims platform and processes, not as a rip-and-replace.

Exceptions, surfaced early

Missing documents, prior losses and coverage questions are flagged at intake, not at the end.

Built for cycle time

Less time assembling files means faster first contact, faster review and faster resolution.

Product demo

See Zentron in a live claim workflow.

See how Zentron organizes claim evidence, automates file work and prepares the adjuster for review, without removing human oversight.

30-minute walkthroughFor U.S. property carriers & TPAs