Kernel is an independent adjusting firm for property insurers. We work overflow and high volume claims to your guidelines, with same day first contact as the standard, live status throughout, and one consistent report format.
Today an overflow file gets zipped and sent over a wall. Someone eventually makes first contact. Reports arrive in six formats from six firms, and between reports the file is a black box.
First contact goes out the day the file arrives, under the licensed adjuster on the file. That is the standard we hold ourselves to, storm season included.
Open any file and see exactly where it stands. Steps are logged as they happen, so your examiners stop emailing for status.
However many files we carry, reports arrive in one consistent structure, in your format if you have one.
Capacity comes from software rather than hiring cycles, so catastrophe season does not force a choice between speed and standards.
Each file is split the same way. Software we built for claims work carries the routine steps, in minutes rather than days. The calls that matter are made by licensed adjusters whose names are on the file.
The two sides talk. Before a decision goes out, the software puts everything that bears on it in front of the adjuster. The policy wording that applies, the evidence pointing each way, the questions a careful supervisor would ask. Judgment stays with the adjuster. It just runs on the full picture.
Today this covers property claims suited to desk adjusting, up to an authority limit we agree with you. Wind, hail, water, theft, and additional living expense, plus the high volume desk work that sits in queues. We do not handle bodily injury or complex liability.
A licensed adjuster is responsible for each claim we touch, and your examiner keeps the approvals your guidelines require. Your oversight stays as it is. The gain is visibility. Each decision leaves a record, so you can trace why a file went the way it went, step by step.
Applying your policy wording consistently cuts both ways. Fewer overpayments. Fewer missed coverages.
Files drift from guidelines in any claims operation, and the drift costs real money. Industry studies put claims leakage near 6 percent of claim payments (Insurance Thought Leadership, 2022), higher again where files reach litigation (EY, 2025). Finding that leakage was the founding team's trade. Kernel applies the discipline while the file is still open.
Best practice does not sit in a binder waiting to be remembered. The system carries it into each file as the work happens, and when a reviewer corrects a file, the correction tightens the system for the files that follow. Oversight here is a feedback loop, and it runs on your playbook alongside the fair claims handling standards each jurisdiction sets.
Claims data lives in the jurisdiction you name, and our agreements with model providers prohibit training on it. We support two deployment modes.
Models running on infrastructure we control, dedicated to your engagement, in your region.
Model traffic under enterprise terms, with no training on your data and contractual retention limits.
Your security team picks.
An adjusting firm. You assign files, licensed adjusters carry them, and reports come back in a form your examiners already know. The software is ours, and it stays in the background.
Adjusting is licensed jurisdiction by jurisdiction, and a licensed adjuster of record carries each file. We walk through the licensing picture for your jurisdictions in the first conversation.
Routine updates and requests go out under the licensed adjuster on the file, and automated messages identify themselves as automated. Conversations that call for judgment or care happen person to person, with the adjuster on the line.
We adapt to yours. Files arrive however you send them today, reports come back in your format, and live status sits in between. Platform specifics belong to the first conversation.
The usual file, under NDA. Licensing details, insurance certificates, security documentation, and the methodology behind the software.
Kernel began with an observation from years inside claims work. Two policyholders with the same claim details would get different outcomes, different timelines, different treatment. No rule was broken. Claims work runs on thousands of judgment calls, and drift creeps in wherever attention runs short.
We did not find that fair. So we built a firm that handles each claim the way the insurer intended, to one standard.
The team brings claims, engineering, and consulting backgrounds. Kernel is built for insurers in Canada and the United States.
Tell us about your book and your queues. In one meeting we can walk through how a file moves, what the oversight looks like, and where the leakage is likely hiding.
contactus@kernelinsurance.com