Openly Partners With AI Firm Claimtouch to Reinvent Property Claims

NEW YORK, NY – February 24, 2026 – In a significant move to modernize the insurance claims process, tech-driven premium insurance provider Openly has announced a strategic partnership with claimtouch, an AI-native insurtech firm. The collaboration is set to automate the valuation of damaged personal property, aiming to drastically reduce settlement times and improve accuracy for homeowners' content claims.

This partnership involves integrating claimtouch's advanced Personal Property Platform directly into Openly's existing claims management system. The move signals a shift away from traditionally slow, manual inventory and pricing processes toward a more efficient, data-driven model. By leveraging artificial intelligence, Openly aims to deliver faster, fairer, and more transparent outcomes for its policyholders during what is often a stressful time.

The End of an Error-Prone Era

For decades, the personal property claims process has been a significant pain point for both insurers and their customers. Following a loss, policyholders are typically required to create an exhaustive list of damaged or destroyed items, a daunting task that often relies on memory and whatever documentation can be salvaged. Adjusters then face the equally challenging job of manually verifying and pricing hundreds, if not thousands, of individual items, from electronics to furniture and clothing.

This legacy system is notoriously slow and fraught with potential for inconsistency and human error. Valuation discrepancies are common, as adjusters and policyholders may disagree on an item's replacement cost or its depreciated value. According to industry reports, nearly a third of policyholders express dissatisfaction with their claims experience, with settlement speed being a primary complaint. The process can be opaque, leaving customers confused and eroding trust.

Furthermore, the manual nature of the work ties up skilled adjusters, with some studies indicating that claims handlers can spend up to 30% of their time on low-value, repetitive administrative tasks. This inefficiency not only delays settlements but also increases operational costs for the insurer.

AI Enters the Fray for Speed and Accuracy

The partnership between Openly and claimtouch is designed to tackle these long-standing issues head-on. At the heart of the collaboration is claimtouch's sophisticated platform, which uses machine learning algorithms and vast datasets to provide real-time, consistent valuations for personal property.

Instead of relying on manual searches or inconsistent pricing databases, Openly's adjusters can now use the integrated system to generate detailed contents inventories and estimates with greater efficiency. The AI is capable of structuring unstructured data—such as photos of damaged items and handwritten lists—and analyzing it in minutes, a task that could previously take days. This allows for the rapid and consistent application of pricing, depreciation, and policy limits.

"We are setting a new standard for accurate and efficient claims processing,” said Gina Reyes, Vice President of Claims at Openly. “This partnership allows us to streamline our workflow and ensure that our customers receive fair and precise pricing for their damaged personal property, solidifying our commitment to a transparent and trustworthy claims experience."

The system's data-driven approach also enhances fraud detection. By analyzing item prices against statistical norms and historical data, the platform can flag anomalies and out-of-pattern claims that might be missed by the human eye, protecting the integrity of the claims pool for all policyholders.

A Strategic Play for a Premium Experience

For Openly, this move is a direct extension of its foundational strategy. Founded in 2017, the company has differentiated itself by building its own technology stack and focusing on a premium experience delivered through a network of over 44,000 independent agents. By using technology to augment human expertise, Openly has already streamlined its underwriting process, famously generating quotes in as little as 15 seconds.

Applying a similar philosophy to claims is the next logical step. The integration with claimtouch is not about replacing human adjusters but empowering them. By automating the laborious task of valuation, the partnership frees up Openly's claims professionals to focus on the more complex, high-touch aspects of a claim, such as providing empathetic customer service and managing intricate loss scenarios.

This aligns with the vision shared by both companies. “We are thrilled to partner with Openly to provide a quick, accurate, and seamless content claim experience,” said Mick Noland, President & Co-Founder of claimtouch. “Openly shares our vision when it comes to leveraging data and AI to drive speed and accuracy in claims. Working closely together across the people, process, and technology aspects of claims enables us to provide Openly policyholders with a best-in-class claims journey.”

A Blueprint for the Future of Insurance

The collaboration between Openly and claimtouch is emblematic of a broader transformation occurring across the property and casualty insurance landscape. As customer expectations for speed and digital convenience grow, insurers are increasingly turning to specialized insurtech firms to accelerate innovation. Such partnerships allow established carriers to adopt cutting-edge technology more quickly than they could by developing it in-house.

The industry outlook suggests this trend will only accelerate. Experts predict that within the next few years, a majority of claims will be triaged using some form of automation. The goal is not a fully automated, impersonal system, but a hybrid model where technology handles the data processing and humans manage the relationships and complex decision-making.

Insurers that successfully integrate these technologies stand to gain a significant competitive advantage through lower operational costs, higher customer satisfaction, and improved retention. By taking a proactive step to solve one of the industry's most persistent challenges, Openly is positioning itself at the forefront of this evolution, betting that a superior claims experience is the ultimate expression of a premium insurance product.