How People Trust Insurance USA Automated Adjuster Invoice Verification and Saved 500+ man-hours with Peakflo
Facing surging adjuster-invoice volumes every storm season, People’s Trust Insurance replaced manual data entry, line-by-line validation, and batch disbursements with Peakflo’s Contextual AI and agentic Procure-to-Pay automation, turning its accounts payable function into an exceptions-only operation.
"Peakflo has changed how we process adjuster invoices. The agentic validation workflow catches billing errors automatically against our rate schedules, and payments go out through Peakflo Wallet via ACH without any manual intervention. Our AP team can finally focus on exceptions, not every single bill."
Wesley Chung-A-On
Director of Desk Operations at, People Trust Insurance USA
See How Much our Customer has Saved with Peakflo
touchless invoice capture
man-hours reclaimed per year
faster bill-pay time
in adjuster payments projected annually
adjuster bills paid via ACH each year
of invoices auto-validated, zero touch
Annualized run-rate after going live in October 2025. 500+ reclaimed man-hours a year is about 63 working days:
roughly one full-time employee freed up for three months, across invoice capture and disbursement alone.
Headquarters: Florida, USA
Industry: Property & casualty (homeowners) insurance
Peakflo customer since: September 2025
Live on Peakflo: October 2025
Modules used: Procure-to-Pay / Accounts Payable Automation
Background
People’s Trust Insurance protects homeowners across Florida with a faster, more reliable insurance experience built on proactive preparedness and rapid claims response. When a named storm crosses the state, the company’s field adjusters mobilize immediately, and the invoices that fund that response follow in high volume, all at once.
The challenge: when storm season turns AP into a bottleneck
For a Florida homeowners’ insurer, accounts payable is seasonal by nature. Outside of storm season, adjuster-invoice volume is manageable. But the moment a major weather event hits, hundreds of adjuster invoices arrive within days, each tied to a different storm-event category, each with multiple line items, fee amounts, and loss ranges that must be captured, validated against rate schedules, and paid before the next wave of claims.
Before Peakflo, every one of those steps was manual. Finance keyed invoices by hand, cross-referenced each against the applicable adjustment rules, then assembled payment batches and bank files to get money out the door. During peak season the work piled up faster than the team could clear it, creating bottlenecks at exactly the moment fast claims response mattered most.
People’s Trust set out to remove the manual effort from three choke points (capture, validation, and disbursement) without adding headcount. Here’s how they did it with Peakflo.
Key Takeaways 🔑
🚩 Problems
- Manual data entry for high-volume adjuster invoices
- Manual validation against rate schedules and policy rules
- Manual payment batching and adjuster disbursement
✅ Solutions
- AI-powered, touchless OCR invoice capture
- Agentic, claim-aware invoice validation with rules-based routing
- Straight-through ACH disbursement via Peakflo Wallet
Favorite Features
1. Capturing high-volume adjuster invoices
Problem: Manual data entry for high-volume adjuster invoices
Adjusters submit invoices in every format imaginable (PDFs, scans, mobile photos, emailed Excel files, even handwritten bills), with no standard metadata like claim number or policyholder ID. Keying all of it in by hand was slow and error-prone, and every typo slowed the validation step downstream. When storm season pushed volumes up sharply, manual data entry overwhelmed the finance team and stretched payment turnaround during the exact periods when claims response had to be fastest.
Solution: AI-powered, touchless invoice capture
Peakflo’s Contextual AI captures and digitizes every adjuster invoice the moment it arrives, in any format, even handwritten. It extracts and maps both standard and insurance-specific fields (claim number, policyholder ID, event code, and fee type) from header down to line-item level, with unlimited custom fields, centralizing a fragmented intake into clean, consistent data. The result is 99% touchless capture: the AP team went from typing in countless invoices to simply reviewing the rare exception. You send it, Peakflo captures it.
2. Validating every bill against the rate schedule
Problem: Manual validation of adjuster invoices against rules
Every bill had to be checked against adjustment rules that vary by storm category, adjuster type, and gross-loss amount. In practice, that meant a finance team member opening each invoice, cross-referencing the right rate schedule and claim history by hand, and either approving it or sending it back. Supplements and re-inspected claims made it worse: updated assessments and shifting fee tiers turned validation into error-prone manual math. With hundreds of invoices landing at once during an active storm event, this became the slowest part of the entire cycle.
Solution: Agentic, claim-aware validation workflow
Peakflo’s Contextual AI validates each invoice automatically by adjuster type and service category (Inspection, Withdrawal, Supplement, Reinspection, or Other), checking daily rates, unit prices, allowed fee limits, gross amount loss, claim history, and quantity rules against People’s Trust’s own fee schedules. Any discrepancy is flagged instantly: a mismatched fee, an incorrect daily rate, an over-limit supplement, a duplicate (caught by matching invoice number, claim number, claim value, and line items, even on revised bills), or a line-item delta between an original and a resubmitted invoice. Compliant invoices post straight through; the rest route back to the adjuster with a clear explanation for exception handling. Roughly nine in ten now clear validation with zero human touch, with a full audit trail captured automatically, turning a multi-day bottleneck into a real-time background check.
3. Paying adjusters, fast
Problem: Manual payment batching and adjuster disbursement
Even after an invoice was approved, getting money out the door was its own ordeal. The AP team had to identify which bills were due, compile payment batches, prepare bank files, coordinate with signatories for release, and then return to the system to reconcile every transaction in the ERP. When payment volumes surged during peak season, this stretched into multi-day exercises that pulled the team away from everything else.
Solution: Straight-through ACH disbursement via Peakflo Wallet
With the multi-currency Peakflo Wallet, approved invoices are auto-dispatched to payment via ACH the moment validation clears: no bank-portal logins, no batch files, no manual reconciliation. Funds move from the wallet automatically; branded, white-labeled remittance slips and proof-of-payment receipts are auto-sent to each vendor with reference numbers; and real-time auto-reconciliation matches every payment back to its invoice using contextual data. Peakflo even reads urgency markers, flagging “urgent” or event-specific, disaster-related invoices so they’re prioritized when it matters most. People’s Trust now pays 100% of approved adjuster bills electronically and has cut bill-pay time by roughly 80%, while month-end close gets easier instead of harder.
"Peakflo has changed how we process adjuster invoices. The agentic validation workflow catches billing errors automatically against our rate schedules, and payments go out through Peakflo Wallet via ACH without any manual intervention. Our AP team can finally focus on exceptions, not every single bill."
Built for insurance AP, not generic AP
People’s Trust didn’t adopt a generic AP tool and bend it to fit claims. Peakflo’s Contextual AI is built around the realities of insurance accounts payable, mapping each industry pain point to an automated solution.
Why People’s Trust chose Peakflo
- One connected Procure-to-Pay flow. Capture, validation, approval, payment, and reconciliation live in a single system, not stitched together across spreadsheets, email, and the bank portal.
- Contextual AI that handles the rules, not just the routing. Peakflo doesn’t simply move invoices along; it validates each one against People’s Trust’s own rate schedules and claim data, and releases payment only on what’s compliant.
- Capacity that scales with the storm, not the headcount. The same lean team now absorbs peak-season spikes without overtime, temps, or backlog.
The results: a leaner, faster, exceptions-only AP team
In its first eight months on Peakflo (October 2025 to May 2026), People’s Trust Insurance moved adjuster-invoice processing from a manual, multi-day grind to a near-touchless, real-time operation. On an annualized run-rate, that transformation is now worth more than 500 reclaimed man-hours a year (the equivalent of roughly 63 working days, or one full-time employee freed up for nearly three months) across invoice capture and disbursement alone.
Just as important, the AP team has shifted from processing every bill to managing only the exceptions. With 99% touchless capture, agentic validation clearing about 90% of invoices automatically, and 1,100+ bills a year paid straight through via ACH (with disbursements projected to top $1M a year), finance now spends its time on judgment calls, not data entry.
Achieve peak cashflows with Peakflo
See how Peakflo’s Contextual AI and agentic Procure-to-Pay automation can take the manual work out of your AP team, from touchless capture to claim-aware validation to straight-through ACH payments.
