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How To Ward off The Evil of Data Fragmentation?

Unified dashboard to the rescue...

Author

Shen Pandi
September 03, 2025

In spotlight today…

  • Fragmented data bottlenecks

  • Underwriting challenges to consider

  • Underwrite.In’s singular perspective

  • Single Risk View - A necessity

Did You Know?

Infoverity states that 68% of underwriters find bottlenecks due to fragmented data. This also negatively impacts their work.

We get it. Data is a valuable asset. It’s the crown jewel of the modern insurance landscape. Profitable businesses rely on accurate assessment of risk.

But this evaluation and identification of risk becomes complex. There’s an explosion of data from diverse sources. There’s a sheer lack of an unified and intuitive dashboard.

A dashboard that consolidates data, the sources, the underwriter assigned, the claim information, and real-time updates.

We need to arm the modern underwriter with a perspective that’s holistic and complete. This becomes part of the evolution - from traditional and fragmented data systems to a unified/modern one.

Underwriters work with data that’s mostly being siloed and make analysis difficult. Managing overwhelming data is paramount. What if we tell you that there exists a breakthrough solution for that.

Chain-of-data. A seamless solution that links every step in the data journey. No more siloes. You save more and gauge better insights. 

Fragmented Underwriting Challenges

It’s clear that a lack of a unified view is bad. Underwriters then operate in a data-fragmented system. These lead to inefficiencies and inaccuracies. The major challenges of a fragmented underwriting process are,

Siloed Data - 

  • Underwriters work with siloed data, which is data from many different sources that makes it difficult for them to get a complete picture of claims.

  • DICEUS states that underwriters spend nearly 40% of their time on manual, repetitive tasks, primarily because they have to gather data from these varied sources.

  • This lack of a holistic view of risks often leads to missed red flags and poor pricing decisions.

Time Consumption

  • Underwriting processes are slowed down by time-consuming, manual tasks like collecting, reconciling, and analyzing data.

  • These inefficiencies lengthen the turnaround time (TAT) for claims, from the initial request to the final response.

  • The delay leads to customer dissatisfaction, which can drive them to competitors.

Manual Inefficiency

  • Infoverity states that insurance companies lose an average of USD 12.9 million annually due to poor data quality.

  • This poor data also undermines the credibility of data analysis and reporting.

  • Inaccurate data can lead to serious errors, such as mis-profiling clients (either underestimating a high-risk client or overestimating a low-risk one) and inaccurate pricing.

Delayed Decisions

  • An underwriter's judgment is often hindered by the lack of real-time access to sensitive claim and insurer data.

  • This is especially problematic for complex or high-value risks, where large amounts of scattered data are difficult to analyze quickly.

Eager to know more about how you can avoid these underwriting pitfalls?

The promise that finally works

We've been here before. Wave after wave of "automation" that demanded we change how we work instead of working how we think.

But something shifted. The tools got better. More importantly, the tools got humble.

Today's automation doesn't want to make your decisions. It wants to organize your chaos. It wants to parse your email threads, classify your documents, extract your data, flag your gaps and then get out of your way.

That’s exactly what we built Underwrite.In to do; quietly, in the background, before the risk work begins. It automates the chaos before underwriting begins. 

Underwrite.In and Single Risk View

What we have is an AI-powered platform that solves the challenge of data fragmentation. We do this by providing a single, comprehensive risk view. This allows underwriters to make quicker decisions accurately.  The benefits of a single risk view for underwriting are,

Risk visualization that’s comprehensive

Underwrite.In’s intuitive dashboard includes visual risk indicators. Risky claimants get flagged without underwriters spending precious time deep-diving into data.

You also get customizable views. This ensures interactive data exploration. This truly is unifying of your underwriting data.

Data integration from multiple sources

What’s amazing is that our AI-powered platform automatically consolidates risk data. It does so from a varied source of both internal and external data.

The platform integrates both internal policy and claims systems seamlessly. Plus, it integrates third-party providers too. This allows complete and up-to-date risk profiling. The platform also includes real-time data updates along with historical data analysis to provide a robust assessment.

Risk scoring that’s intelligent

Underwrite.In ‘s AI-powered platform calculates accurate risk scores. This is done based on comprehensive data analysis. It also uses proprietary risk scoring models. These are tailored towards specific industries.

Last but not least, the platform provides comparative benchmarking with trend analysis. These provide an objective and data-driven risk assessment.

Anomaly detection towards fraud

Underwrite.In’s unified dashboard automatically detects unusual patterns. These patterns or data outliers indicate elevated risk factors.

The platform’s anomaly detection feature issues early warning indicators. Along with automated alerts, these allow underwriters to proactively investigate high risk profiles. Potential fraud or misinterpretation can also be sniffed out. 

Document checks that saves time

The AI-powered platform streamlines data extraction. Data extraction is a key aspect of the whole underwriting process pyramid. The platform saves valuable time by analyzing key risk data from unstructured documents.

These documents could be claim histories or basic .pdf-based forms. The capability of automated document processing is massive in today’s age. You save on valuable time plus, there is no critical data overlooked.

Single Risk View - A necessity

Is the single risk view a luxury? No it isn’t.

It’s a necessity for modern underwriting. Without this, insurers continue to face numerous challenges. These challenges hamper the underwriting process and lead to inaccurate risk assessments.

Underwrite.In addresses these pain points. The solution is an intelligent, unified, and transparent platform.

Underwriters get a comprehensive 360° view of risk factors. This automation streamlines the underwriting process to enhance accuracy.

Experience driving change in the underwriting process to seek a competitive advantage. 

Team Underwrite.In