Overview
ValueChecker is a contents appraisal technology platform for the insurance industry, helping carriers and TPAs determine accurate claim values for personal property losses. The platform targets claims handlers at P&C carriers and insurance intermediaries across EMEA and North America, automating the valuation of damaged or lost items in home and contents insurance claims.
The platform is delivered as a cloud-hosted SaaS application and REST API, combining a 20-year product database with machine learning to match claimed items to current market replacements and calculate actual cash value. Modules include an electronic first notice of loss (eFNOL) tool, an image and receipt AI module for automated item identification, and a shared adjuster-policyholder portal for collaborative claim inventory building. Integrations are available for Guidewire ClaimCenter and Verisk XactAnalysis.
Operated by ICSS AB and founded in 2017 by Arie Struik and Willem van der Hooft, ValueChecker serves a client base that includes Achmea, Sedgwick, ING, Nationale Nederlanden, and Lemonade, among others. The company operates in the Netherlands, Germany, United Kingdom, Belgium, France, Denmark, Norway, Sweden, and the United States. The platform is ISO 27001 and SOC 2 Type II certified.
Products & Services
Web SaaS
Cloud-hosted contents appraisal platform requiring no system integration. Claims handlers can access all valuation features immediately without an IT project.
Key Features
- Actual cash value (ACV) calculations for personal property items
- Real-time replacement product pricing from verified retailers
- Comprehensive product database built over 20 years
Target Users: Claims handlers at P&C carriers and TPAs
eFNOL (Electronic First Notice of Loss)
Digital first notice of loss solution that captures claim submissions from policyholders electronically. Available as standalone SaaS or embeddable integration.
Key Features
- Digital intake workflow for policyholder loss reporting
- Embeddable into existing claim management systems
- Standalone hosted option for rapid deployment
Target Users: Carriers and TPAs seeking digital FNOL intake
REST API
Programmatic interface enabling insurers to embed contents valuation directly into their own claim handling applications.
Key Features
- Item identification endpoints
- Like-kind-and-quality replacement discovery
- Regional pricing lookups
Target Users: Carriers and software vendors integrating valuation into core systems
Image and Receipt AI
AI-powered module that analyzes photos and receipts to identify products and automate claim item verification.
Key Features
- Automated product identification from photographs
- Receipt scanning and verification
- Fraud detection signals
Target Users: Claims handlers processing high-volume personal property claims
Customer and Adjuster Portal
Shared workspace for policyholders and adjusters to collaboratively document and appraise claim inventories.
Key Features
- Collaborative claim inventory building
- Image and receipt upload by policyholders
- Real-time appraisal results for adjusters
Target Users: Field adjusters and policyholders during active claim handling
At a Glance
- Founded
- 2017
- Headquarters
- Stockholm, Sweden
- Employees
- 11-50
- Funding
- Series A
Category & Focus
- Category
- Claims Technology
- Subcategories
- Claims Automation FNOL Contents Valuation Fraud Detection
- Insurance Verticals
- P&C Personal P&C Commercial
- Target Customers
- Carriers, TPAs
Customers
- Achmea
- Sedgwick
- ING
- Nationale Nederlanden
- Lemonade
- Unive
- ZLM
- ABN AMRO
- Argenta
- Yarowa
Links
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Last updated: 2026-06-19