Adjusto
Adjusto is an AI-native insurance technology company that provides a patent-pending contents claims platform for property insurers, independent adjusters, and TPAs, automating item matching, valuation, and claim workflows via its FairMatch™ engine and a managed-services option.
- Company typePrivate
- Founded2024
- HeadquartersSuperior, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Adjusto does
Adjusto is a private, AI-native insurance technology company founded in 2024 and headquartered in Superior, Colorado, that builds an AI-powered contents claims platform for property and casualty insurers, independent adjusting firms, and third-party administrators. The platform automates the manual, spreadsheet-heavy process of valuing, matching, and pricing personal property items in homeowner and contents claims by combining multimodal AI intake (video, image, handwritten forms, spreadsheets) with a patent-pending matching engine called FairMatch™ that searches live web product listings to produce defensible like-kind-and-quality matches, and a workflow automation layer that the company claims handles 95% of adjuster tasks. The platform also supports a native integration with Snapsheet claims management, and the company has won Guidewire's Insurtech Vanguard InsurPitch (2025) and been nominated for an AXCO Global Insurance Award (2026).
Adjusto operates a dual delivery model that is central to its business model: (1) a subscription software platform licensed to carriers that manage contents claims in-house, billed annually on a quote-based enterprise pricing schedule, and (2) Adjusto Remote, a managed services / TPA layer that pairs carrier clients with Adjusto's trained desk and field adjusters using the same AI platform, billed on an outcome- or performance-based pay-as-you-go basis. Go-to-market is direct enterprise sales supported by strategic partnerships (Preferred Mutual announced February 2026; Team One Insurance Services announced March 2026), conference presence at PLRB and Guidewire Connections, and the Snapsheet integration channel. The company reports 983,000+ items matched platform-wide and cites 7x faster claims processing versus traditional TPAs and 65%+ AI match rates. Named enterprise customers include Preferred Mutual, Team One Insurance Services, an unnamed Top 50 US carrier, an unnamed Top 10 US carrier (referred to as "Head of Claims Innovation"), and an unnamed TPA; the company is SOC 2 Type II certified and operates additional offices in San Francisco and Sydney, Australia.
Adjusto firmographics
Firmographics- Name
- Adjusto
- Legal name
- Adjusto, Inc.
- Website
- https://adjusto.ai
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Adjusto is an AI-native insurance technology company that provides a patent-pending contents claims platform for property insurers, independent adjusters, and TPAs, automating item matching, valuation, and claim workflows via its FairMatch™ engine and a managed-services option.
- Ownership category
- akta.pro rank
Adjusto industry classification
Industry- Product category
- Property Insurance Claims Software
- NAICS
- Claims Adjusting (524291), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Claims Adjudication & Rules/Edits Configuration Support (BPAAAFAE)
- akta.pro secondary industry
- Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ)
Keywords
Where Adjusto is headquartered
LocationHeadquarters
- HQ city
- Superior
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Adjusto business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Platform Subscription: Adjusto provides AI-powered contents claims software to insurance carriers. Carriers can use the platform in-house to manage claims, with pricing likely structured per-claim, per-seat, or enterprise subscription based on volume. The software-as-a-service model provides ongoing access to AI valuation tools, workflow management, and reporting capabilities.
- Adjusto Remote Managed Services: Full-service TPA offering where Adjusto's trained adjusters handle claims end-to-end using the AI platform. This managed services layer provides carriers who lack in-house capabilities or need overflow support with a turnkey claims handling solution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Platform-only (In-house) |
| Outcome Based/ Performance | Pay-as-you-go | Adjusto Remote (Managed Services) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Adjusto product offering
Product offeringCore offering
Adjusto provides an AI-powered contents claims platform for insurance carriers, enabling automated item matching, real-time product valuation, and end-to-end workflow processing for personal property claims. The platform operates via two delivery models: a software-only mode that carriers license to manage claims in-house, and Adjusto Remote, a managed services offering in which Adjusto's trained adjusters handle claims on the carrier's behalf using the AI-native tooling.
Product overview
Adjusto offers an AI-powered contents claims platform with two primary delivery models: (1) Adjusto Core Platform for carriers managing claims in-house with automated AI matching, valuation, and workflow processing; and (2) Adjusto Remote for carriers requiring full-service TPA team assistance. The platform is powered by FairMatch™ technology for intelligent product matching and depreciation, and handles the complete claims lifecycle from AI-video/spreadsheet/handwritten intake through valuation, review, and transparent reporting. A Pre-loss Tool is also available for policyholder inventory documentation.
Differentiator
Problem solved
Functional benefit
Brands
- FairMatch: AI-powered patent-pending model that quickly and accurately determines values while minimizing disputes for contents claims.
- Adjusto Remote
Products and services
- Adjusto Core Platform
Quantifiable outcome
- 7x faster claims processing than traditional TPAs
- +3 more outcomes
Companies that use Adjusto
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Adjusto technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability11 records
Feature5 records
Adjusto partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Team One Insurance ServicescoreTeam One Insurance Services, a national provider of independent adjusting and claims services, partnered with Adjusto to implement AI-powered contents valuation and workflow tools designed for property claims handling. The platform integrates directly into adjuster workflows to enable faster, more defensible valuations while reducing administrative burden. The companies plan to highlight the partnership at the PLRB conference where industry professionals will gather to discuss the future of property claims handling.
- Preferred MutualcorePreferred Mutual, a 125-year-old mutual insurer, partnered with Adjusto to deploy AI-powered contents claims handling technology. The implementation was designed to enhance speed, accuracy, and consistency for adjusters while preserving human judgment and empathy for policyholders. Adjusto Founder and CEO Michael Balarezo stated the partnership reflects a shared philosophy of empowering adjusters and delivering fairer, faster outcomes at scale. The platform integrates with existing workflows and has received positive feedback from frontline adjusters.
- SnapsheetcoreSnapsheet integration enables Adjusto's automated product valuation to be accessed directly within the Snapsheet claims management platform. Users can import items from spreadsheets, videos, or handwritten forms, with Adjusto's AI handling product matching and valuations. Results sync seamlessly back to Snapsheet claims, eliminating manual data transfer and keeping claims centralized in one platform.
- GuidewireminorAdjusto was recognized as an Insurtech Vanguard InsurPitch winner at Guidewire's annual Connections 2025 conference in Las Vegas. This recognition highlights Adjusto's innovative approach to AI-powered contents claims within the Guidewire ecosystem of insurance technology partners.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Adjusto competitors and assessment
Company assessmentEmerging players
- Cape Analytics: AI property intelligence platform providing instant property data and risk insights to insurers. Adjacent to Adjusto's pre-loss and underwriting-related property intelligence use cases.
- Claim Genius: AI-powered auto claims platform with growing property capabilities. Comparable AI-first claims automation approach for personal lines carriers.
- Flyreel: AI-powered property inspection and claims assistant using computer vision for property intelligence. Targets the same carrier buyer for AI-driven property risk and claims workflows.
Broad incumbents
- Guidewire: Core insurance platform (PolicyCenter, ClaimCenter) used by most large P&C carriers. Adjusto's Guidewire ecosystem positioning makes it both a partner and a potential competitive threat if Guidewire bundles native contents AI.
- Verisk: Major insurance data, analytics, and claims solutions provider. Overlaps in property claims decisioning and could expand into AI contents valuation, threatening Adjusto's niche.
- CCC Intelligent Solutions: Large P&C insurance technology platform offering claims, estimating, and analytics. Overlaps with Adjusto's claims workflow automation but serves carriers with a much broader software suite.
- Mitchell International: Established provider of claims management, estimating, and workflow solutions for P&C insurers. Competes in the same carrier buying cycle and overlaps in contents valuation workflows.
Regional players
- Sedgwick: Large third-party administrator and claims management firm with deep P&C carrier relationships. Directly competes with Adjusto Remote's managed services offering and could in-house AI capabilities.
Direct peers
- Snapsheet: Claims management platform with native estimating and appraisal workflows used by carriers and TPAs. Comparable end-customer (insurance carriers and adjusters) and overlapping contents claims workflow.
- Tractable: AI vision company that automates property and auto insurance claims, including damage assessment and valuation. Most directly comparable to Adjusto's AI-powered property contents claims automation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Adjusto social profiles
Digital presenceAdjusto compliance and trust
Trust signalCompliance1 record
Adjusto financial estimates
Financial estimateRevenue estimate
Valuation estimate
Adjusto leadership team
Management profileNumber of profiles
Profiles3 records
Adjusto funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Adjusto M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Adjusto
What does Adjusto do?
Adjusto provides an AI-powered contents claims platform for insurance carriers, enabling automated item matching, real-time product valuation, and end-to-end workflow processing for personal property claims. The platform operates via two delivery models: a software-only mode that carriers license to manage claims in-house, and Adjusto Remote, a managed services offering in which Adjusto's trained adjusters handle claims on the carrier's behalf using the AI-native tooling.
Is Adjusto a public or private company?
Adjusto is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Adjusto founded?
Adjusto was founded in 2024. It employs 1 to 10 people.
Where is Adjusto based?
Adjusto is headquartered in Superior, United States, in the North America region.
How does Adjusto make money?
Two revenue lines are on record. Software Platform Subscription is the primary driver. The others are adjusto Remote Managed Services.
Who are Adjusto's main competitors?
Emerging players on record are Cape Analytics, Claim Genius and Flyreel. Broad incumbents are Guidewire, Verisk, CCC Intelligent Solutions and Mitchell International. Sedgwick is listed as a regional player. Direct peers are Snapsheet and Tractable.
Does Adjusto have an API?
No public API is recorded for Adjusto.
What industry is Adjusto in?
Adjusto's product category is Property Insurance Claims Software. Its primary akta.pro industry code is BPAAAFAE, Claims Adjudication & Rules/Edits Configuration Support, with a secondary code of HLAEALAJ, Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises). Its NAICS code is 524291 and its SIC code is 6411.