When FNOL jumps 10x overnight, Giga answers every policyholder (voice, chat, or text) and takes the claim compliantly, in 99 languages.
One named storm can lift FNOL 8–12x in 48 hours. Staff the peak and capacity idles all year; staff the average and abandonment blows the SLA.
Bill questions, endorsements, ID cards, "where's my claim": routine volume that ties up licensed agents. And when the answer doesn't stick, it all comes back.
State disclosures, claim-timeline rules, HIPAA, and consent ride on every call. At volume, agent discretion becomes the disclosure inconsistency examiners hunt for.
There's water coming into my house and I need to file a claim. I don't even know where to start.
I'm so sorry. Let's get this started right now. I have your policy pulled up. I'll take the loss details and open your claim with a claim number before we hang up. First, is everyone safe, and is the water still coming in?
When a policyholder's basement is flooding, a robotic IVR is just one more thing going wrong. Giga answers in a natural voice: hears the urgency, switches language mid-call, and carries the claim across chat, text, and email so intake completes the first time.
The FNOL call answered in a real voice: urgency heard, the claim carried across channels.
The next surge won't wait for a quarter-long integration, and your claims data lives in mainframe cores with no API, or behind a TPA boundary. Giga is live in under two weeks, reaching even the legacy tools that data hides in, one channel at a time.
One misstated coverage term or skipped state disclosure can trigger action under Unfair Claims Settlement Practices rules. Giga checks every answer in real time. Voice hallucinations fall from 4–5% to under 1% across 1.2 million turns, with zero added latency.
Yes, your policy covers this flood damage in full.
Flood is not covered under this homeowners policy. I have to read you the state disclosure before we go on.
Every answer checked in real time, zero added latency.
Surge capacity in production before CAT or open enrollment.
Climbs as policies refine, keeping servicing calls off agents.
A scenario from your book: CAT surge, TPA boundary, health line?
The full FNOL: loss details captured and a claim number issued in your system, on the call. Coverage determinations go to a licensed adjuster with full context, so nobody repeats their story.
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