Adaptional

AI-powered continuous claims review for P&C insurance carriers

Claims Technology Startup Seed

Overview

Adaptional is a claims technology platform for P&C insurance carriers that uses AI to audit claims files in real time. The system connects to core claims management platforms -- including Guidewire and Duck Creek -- ingests policy documents, notes, and adjuster files, and evaluates each claim across six operational dimensions: compliance, coverage, leakage, subrogation, service quality, and reserve adequacy.

The product is delivered as a SaaS platform with configurable audit scorecards, allowing operations teams to define the evaluation criteria relevant to their workflows. The AI applies reasoning models to process entire claims files rather than individual fields, enabling it to surface issues such as missed deductibles, stale reserves, and approaching statute of limitations deadlines for subrogation recovery.

Adaptional was founded in 2024 by Suril Kantaria and Kevin Cox, repeat founders who previously built Savvy (YC W20), a digital insurance brokerage acquired by Take Command in 2022. The company raised a USD 10.6M seed round in 2025 with participation from Y Combinator (S25 batch) and BrokerTech Ventures. Claims represent approximately 75% of insurance industry spend, and Adaptional targets carrier claims departments seeking to reduce leakage and compliance exposure at scale.

Products & Services

Continuous Claims Review

An AI-powered platform that audits 100% of open and closed claims in real time, connected to a carrier's claims management system. The platform evaluates each claim file against configurable scorecard criteria and generates action items or alerts for claims teams.

Key Features

Compliance monitoring: tracks regulatory deadlines, CMS reporting obligations, and jurisdictional requirements
Coverage validation: checks policy terms, exclusions, and limits against adjuster decisions
Leakage detection: identifies overpayments, missed deductibles, and duplicate billing
Subrogation identification: flags recovery opportunities before statute of limitations expiration
Reserve analysis: detects stale or under-reserved claims
Service quality monitoring: tracks contact frequency, documentation completeness, and communication standards

Target Users: P&C carrier claims departments, claims operations managers, compliance officers

At a Glance

Founded: 2024
Headquarters: San Francisco, CA, USA
Employees: 1-10
Funding: Seed

Category & Focus

Category: Claims Technology
Subcategories: Claims audit leakage detection compliance monitoring reserve management subrogation identification
Insurance Verticals: P&C Commercial P&C Personal Specialty/E&S
Target Customers: Carriers, MGAs/MGUs, Brokers