Across insurance lines, this moment is deceptively complex. FNOL intake is often described as “just opening a claim,” but in practice, it’s where large volumes of unstructured data must be interpreted, validated, and correlated before any meaningful decisions can begin.

The challenge is significant: claims professionals spend excessive time on repetitive intake validation. Navigating portals, verifying evidence completeness, and interpreting artifacts before applying their expertise to higher-value decisions takes considerable time. Industry observations suggest that intake validation can consume a substantial share of an adjuster’s time during initial claim processing, with typical submissions requiring meaningful screen work before assessment can begin. During volume spikes from catastrophic events or seasonal surges, these delays compound, creating backlogs that slow claim resolution and impact customer experience.

In this post, we demonstrate how a hands-free FNOL intake system combines agents built with the Strands Agents SDK for domain reasoning with Amazon Bedrock AgentCore Browser Tool for live portal interaction. This approach preserves human expertise while removing repetitive screen work.

Strands Agents is an open source SDK that takes a model-driven approach to building generative AI agents. In this architecture, the agents (built with Strands Agents) apply insurance-specific business rules, such as evidence interpretation, cross-modal correlation, and claim complexity assessment using foundation models (FMs) served through Amazon Bedrock.