> ## Documentation Index
> Fetch the complete documentation index at: https://docs.wizflow.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Insurance Claims

> Smarter claims handling for any scenario

Automate underwriting, triage, and assessment in a fast, intuitive experience.

Insurance claims come in many forms. Whether it is water damage, theft, appliance breakdowns, car accidents, or health related incidents, customers want quick answers and clear guidance. Manual claims handling often relies on long questionnaires, inconsistent data quality, and time consuming back and forth communication. Wizflow helps insurers digitise and streamline these journeys so they can deliver faster resolutions and more accurate decisions with less operational effort.

Wizflow allows insurers to build tailored claims flows that collect structured information, apply internal rules, and guide customers through complex processes without requiring technical development. Below is an example based on a water damage claim, illustrating how a claims flow can work in practice.

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## Example: Water Damage Assessment Flow

<AccordionGroup>
  <Accordion title="1. Safety checks and legal confirmation">
    All claims flows can begin with essential safety and compliance steps. In the water damage example, the flow confirms legal acceptance and checks whether the customer has controlled the water source. If not, it provides clear guidance such as closing the main valve or contacting emergency support. These early interventions help limit damage and keep customers safe.
  </Accordion>

  <Accordion title="2. Identifying what is affected">
    The flow then asks the customer to select all affected areas or items. In water damage cases, this might include rooms, flooring, electronics, or structural elements. In other claim types, it could be items stolen, car parts damaged, or appliances that stopped working. This multi select approach allows the flow to intelligently adapt to each situation.
  </Accordion>

  <Accordion title="3. Dynamic follow up questions">
    Based on what the customer selects, the flow automatically presents the relevant follow up questions. For water damage, this includes questions about water coverage and severity in each room. For other claim types, this could include:

    * When the item was purchased
    * Whether photos are available
    * How the incident occurred
    * Whether the insurer should arrange repairs or replacement

    This keeps the experience concise and tailored.
  </Accordion>

  <Accordion title="4. Intelligent severity scoring">
    Wizflow supports custom scoring logic that evaluates the severity or complexity of the case in real time. In the water damage example, the score considers:

    * How long the leak has existed
    * Progression of the damage
    * Mold, smell, and structural risks
    * Health symptoms
    * Previous incidents

    The same scoring concept can be used for other claim types, such as assessing the risk of fraud, eligibility for fast track processing, or the likelihood of repair versus replacement.
  </Accordion>

  <Accordion title="5. Automatic escalation when needed">
    If the score passes a certain threshold, or if the customer gives a critical answer, the flow can redirect them to human assistance. Examples include:

    * Severe structural damage
    * High risk mold
    * Repeated incidents
    * Indicators of risk in other claim categories

    This ensures that serious cases are handled quickly while simpler cases continue automatically.
  </Accordion>

  <Accordion title="6. Collecting documentation">
    All claims benefit from early documentation collection. The flow guides customers to upload photos, receipts, invoices, or repair estimates. This reduces follow up emails and speeds up the insurer's decision making.
  </Accordion>

  <Accordion title="7. A clear and reassuring conclusion">
    Once all information is collected, the flow closes with a clear confirmation that the insurer has what it needs. The claims team receives a structured and complete case file that can be processed without unnecessary delays.
  </Accordion>
</AccordionGroup>

***

## Why it matters

Wizflow gives insurers a flexible and powerful way to digitise any type of claims journey. It reduces manual handling, improves accuracy, and allows claims teams to focus their time on the cases that need human attention. Customers receive faster responses, clearer instructions, and a smoother experience at a stressful moment. Insurers gain a scalable, rules driven claims process that is easier to maintain and continuously improve.