- Enterprise h2oGPTe answers questions about your policy forms and endorsements and cites the section each answer comes from, so your team checks the wording, not a summary.
- H2O Document AI reads scanned, faxed, and older policy documents, tables included, so the whole policy file is searchable and not just the digital part.
- Endorsement review compares an endorsement with the base form and lists what it adds, removes, or changes in coverage, limits, and exclusions.
- Claim facts can be extracted and checked against the policy terms, with each exception sent to a person.
The answer is in the policy, but finding it takes an hour
Your policy file for one account can hold a base form, a stack of endorsements, schedules, and manuscript wording from several renewals. When a broker, an adjuster, or a policyholder asks what is covered, someone has to find the right version and read it end to end.
Much of that file is hard to search. Older policies are scans, endorsements arrive as attachments, and the same clause is worded differently across forms and years.
The cost shows up everywhere. Underwriters rewrite wording that already exists, adjusters wait for coverage answers before they can move a claim, and servicing teams answer the same questions every week.
How policy and endorsement document intelligence works
Enterprise h2oGPTe reads the documents, retrieves the right clauses, and answers with citations, inside your environment.
Step 1: bring the policy library together
Load policy forms, endorsements, schedules, and wording guides into collections, by upload or through connectors to repositories you already use. Collections are private by default and shared with the users or groups you choose.
Step 2: make every page readable
H2O Document AI reads each page with intelligent character recognition: layout, tables, stamps, and handwriting as well as printed text. A scanned policy from ten years ago becomes as searchable as this year's PDF.
Step 3: ask and get a cited answer
Your team asks in plain language, such as whether a policy excludes flood for a second location. Retrieval-augmented generation combines full-text and semantic search, so exact form numbers and clause wording are found as well as meaning. Each answer cites the source section, so the reader can check it against the wording.
Step 4: pull structured fields where you need them
Document AI extractors return the terms you define: named insured, policy period, limits, deductibles, forms, and endorsements attached.
Comparing an endorsement with the base form
Endorsement review compares a new or manuscript endorsement with the base form it modifies. The assistant lists what the endorsement adds, removes, or changes in coverage, limits, and exclusions, and cites both documents side by side. The same review works for reinsurance treaties, broker agreements, and other contracts your team reads for specific terms. Your underwriters and counsel make the final call on what a change means.
Checking claim facts against policy terms
Validation checks the facts of a claim against the policy that covers it. Extractors pull the date of loss, location, cause, and amount from the claim file and the matching terms from the policy, and the two are compared: inside the policy period, a covered location, above the deductible, no exclusion that applies. Matches move on. Exceptions go to an adjuster with both documents cited, so the adjuster starts from the question instead of the search.