July 15, 2025
As AI takes the claims handling process by storm, one powerful use case is emerging: photo analysis. With AI, claim photos can now be analyzed faster and more accurately than ever before — making it a valuable tool for adjusters in getting today’s claims across the finish line.
What was once a manual, time-consuming process can now be seamlessly automated without compromising results or quality. For adjusters, this means less time spent analyzing photos and more time focused on higher-level decision-making and customer engagement.
So how are adjusters using AI-powered photo analysis in their day-to-day work?
Natural disasters
Many adjusters are using this technology in the aftermath of natural disasters. In the days and weeks following a severe weather event, the volume of claim photos adjusters receive from policyholders can skyrocket.
In the past, this surge often created bottlenecks, slowing down reviews and delaying claim decisions. Traditional photo analysis required adjusters to manually note dent size, image context and other details — a process that was not only tedious but left room for inconsistencies.
Today, AI-powered photo analysis can quickly process those images and accurately analyze critical details like the extent of exterior damage, signs of water intrusion and even environmental hazards. Not having to spot and record these things manually helps adjusters process disaster-related claims more efficiently and ensures policyholders get the timely support they need to recover.
motor accidents
AI-powered photo analysis is also helping adjusters handle motor claims. According to the Insurance Institute for Highway Safety, there were around 16,500 car accidents every day in the U.S. in 2024. With no shortage of motor claims coming across adjusters’ desks, tapping into the power of AI can help them keep up.
With AI analyzing photos of damaged cars, it can expertly determine claim severity and even generate repair estimates for adjusters in a matter of minutes. And as AI continues to process more photos and contextual information over time, it will only keep learning and analyzing with more accuracy.
Maintaining human touch
Even with AI advancements, human touch is still an essential part of the claims handling process, especially when claims are severe or complex. AI isn’t meant to replace adjusters — it’s designed to help them do their best work. By handling administrative, behind-the-scenes tasks like photo analysis, adjusters can focus on more meaningful work that requires human empathy and expertise.
Policyholders and insurers have a lot to gain from this fusion of human and machine intelligence. When adjusters use AI to streamline photo reviews, they get the insights needed to make smarter decisions faster — helping policyholders recover and get their claims resolved sooner. For insurers, this boosts customer satisfaction, improves operational efficiency and decreases claim life cycles.
Powering our adjusters
At Sedgwick, our adjusters use our proprietary AI technology for photo analysis every day. And with our viaOne information hub, our clients get real-time access to those photos and insights every step of the way.
Beyond analyzing photos, our AI technology also supports adjusters during other parts of the claims process. It can help with reserve suggestions, next steps, interactive settlements, quality assurance, predictive modeling, carrier requirements and more. With advanced AI at their fingertips, our adjusters are empowered to work smarter, respond faster and deliver industry-leading outcomes for our clients and their policyholders.
Final thoughts
AI-powered photo analysis is reshaping the way adjusters handle today’s claims. By automatically reviewing images and providing expert insights, it streamlines the claims process for adjusters and strengthens their ability to help policyholders recover.
As Sedgwick’s technology continues to evolve, AI-powered photo analysis is just the beginning of a broader transformation. Our innovations aren’t just simply speeding up claims handling — they’re paving the way for how people and technology can work together to meaningfully shape claim outcomes.
To learn more about how Sedgwick is transforming claims with technology, click here.
