On this episode of FNO: InsureTech, hosts Rob Beller and Lee Boyd sit down with Michael Balarezo, Founder and CEO of Adjusto, to explore how his company is redefining contents claims through AI powered valuation and transparency.

Michael shares Adjusto’s journey, rooted in his own experience as a former adjuster who saw firsthand how complex and time consuming contents claims could be. After years in Silicon Valley as a software engineer building automation systems, he returned to insurance with a mission to make personal property valuation accurate, fast, and fair. The result: Adjusto, an AI native platform built by adjusters for adjusters that delivers automated, precise valuations of personal property items in insurance claims.

In the conversation, Michael explains how Adjusto’s FairMatch™ engine, a patent pending algorithm trained on both adjuster heuristics and consumer data, ensures valuations reflect real world fairness from both sides of the claim. By combining machine learning, computer vision, and live market data, Adjusto helps carriers and adjusters resolve thousands of contents line items with speed and confidence, while maintaining transparency that builds policyholder trust.

He also shares how living through Colorado’s 2021 Marshall Fire reignited his passion for improving the claims process. The experience highlighted a persistent industry gap: policyholders struggling to document losses and adjusters lacking the right tools to respond quickly and accurately. Adjusto bridges that gap with an AI driven platform that empowers both sides to collaborate with clarity and empathy.

Listeners will learn how Adjusto integrates seamlessly with existing claims ecosystems, through partnerships with Snapsheet, Guidewire, and ongoing work with Verisk, allowing carriers, TPAs, and independent adjusting firms to use Adjusto without overhauling legacy systems. With live pilots already underway across carriers and adjusting organizations, Adjusto is proving that speed and accuracy together are the keys to restoring trust in the claims process.

By the end of this episode, listeners will see how Adjusto is transforming the contents claims experience, making it faster for adjusters, fairer for policyholders, and smarter for insurers.

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