Upptec Inspect

For data-driven collaboration between insurance companies,
restoration companies, and policyholders in the handling of content

Large loss including content

Upptec Inspect

Data-driven collaboration between insurers, restoration companies and policyholders in complex content claims.

Real-time collaboration Structured documentation Cost & sustainability focus

Designed for: large fire, flood & catastrophe claims Involves: insurers, restoration partners & policyholders

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Context

Why large content claims are changing

Large claims, often weather-related, are expected to increase significantly. At the same time, many processes are still built on paper notes and spreadsheets.

Insurance companies today invest heavily in damage prevention, yet forecasts still indicate that payouts for large claims will grow in the long term. In Sweden alone, damage costs already exceed SEK 20 billion annually, with an average of over SEK 100,000 per claim.

When damage occurs, handling and documentation of content is often still manual – using paper, pen and, at best, Excel. This results in:

Limited transparency in how damages are handled.
Unclear allocation of costs between discarded and restored items.
Very little structured data for follow-up and improvement.

Both insurers and restoration companies have long asked for a more transparent, digital and data-driven way of working. Above all, they share a common goal:

Provide the policyholder with secure, efficient, and high-quality claims handling.
Balance financial control with the environmental impact from restoration and replacement decisions.

Inspect was developed with this in mind – to improve claims where restoration companies or other third parties are involved, and to give everyone the same, up-to-date information.

Current state

Key challenges in large loss content handling

Without a shared digital workflow, large claims become slow, fragmented and difficult to control.

Overview & traceability

Disposed content is often documented with pen and paper, while decontaminated goods are rarely documented at all. Only one person may have the “latest” list.

This makes it hard to see claim status, drives manual follow-up and prevents automatic extraction of structured data that could guide future improvements.

Identification & subjectivity

Restoration companies often identify products themselves, estimate age, and apply deductions without uniform guidelines or policy insight.

This opens the door for subjective assessments and non-uniform compensations, where the same claim can be settled differently depending on who handles it and internal incentives.

Cost control

Many insurers describe the costs of cleaning up movable property as a “black hole”. Billions are paid out every year with limited insight into what the money is actually used for.

To make better financial and sustainability decisions, insurers need clearer control, transparency and structured data across discarded and restored items.

Solution

Inspect – one digital workspace for all parties

Inspect creates transparency between insurers, restoration companies and policyholders by ensuring that everyone works in the same digital flow, in real time.

Shared, real-time overview +

All parties involved in the claim work from a complete, shared overview of the content:

The restoration company gets a secure link to register all items in the claim and mark each one for discard or restoration.
Several team members can work in parallel, with all documentation – including photos – linked directly to each item.
The policyholder has their own link where they see the same item list and can add purchase price, purchase dates and other details.

Every activity is automatically logged with timestamps and responsible party, giving full traceability from first documentation to final decision.

AI-assisted identification & reduced subjectivity +

The “Mass input” feature lets restoration teams document items via images, video or voice recordings.

Upptec’s AI analyzes the material and automatically suggests categorization for each item. This enables the system to automatically apply age deductions based on the insurer’s rules, reducing manual interpretation and subjective decisions.

Combined with the policyholder’s real-time view, the right information is collected faster and decisions become more reliable and consistent.

Structured data for cost control +

By gathering all data in a structured way – for both discarded and restored items – Inspect makes it easy to see how resources are actually used in each claim.

The data can be analyzed to:

Evaluate cost savings from restoration vs. replacement.
Demonstrate positive environmental impact.
Build more accurate forecasts and reserves for future large claims.

Over time, this supports more fact-based decisions, stronger financial control and a more sustainable way of working.

Impact

What insurers gain with Inspect

Inspect modernizes the entire process – from first documentation to final settlement – and delivers measurable improvements in customer experience, cost, speed and data quality.

Increased customer satisfaction

The traditional process is often perceived as outdated and unnecessarily manual, creating frustration for both policyholders and partners.

By simplifying and digitizing the experience, Inspect brings:

Transparent status and decisions for all parties.
Reduced back-and-forth and fewer information gaps.
A more modern, intuitive claim journey.

Lower claim costs

A data-driven process with minimal subjectivity leads to more accurate and consistent decisions – and better cost control.

For discarded items, insurers have seen payouts decrease by more than 20%. For restored goods, costs have in some cases been overvalued by around 70%, showing the potential for significant savings through structured, transparent workflows.

Faster handling & higher data quality

With structured documentation where all data is shared in real time, claims that previously took months can now often be closed in weeks.

The high data quality enables better decisions for both insurers and restoration companies, easier reporting of actual cost savings and a clearer view of environmental impact.

20%+ Reduction in payouts for discarded items in some portfolios.

70% Overvaluation discovered on restored goods in certain cases – now identified and corrected through better data.

Weeks not months Large claims can often be completed within weeks instead of months when all parties share the same digital workspace.

Smarter claims automation – tailored to every claim type.

We help insurers reduce cost, improve customer experience and streamline claims, no matter the size or complexity. Explore how Upptec transforms every stage of the content claim journey.