Cozmo AI (YC W22) — End-to-end AI agents for property claims, from loss report to estimate
Cozmo AI helps restoration franchisors, TPAs and adjusters put agents to work on US property insurance claims. Agents are autonomous AI workers that answer intake across all channels, coordinate crews and write up losses.
Cozmo AI is a Y Combinator company in the Winter 2022 batch. Its directory entry describes it as: End-to-end AI agents for property claims, from loss report to estimate. The founders listed are Alok Kumar (Founder/CEO), Nuha Hashem (Founder/CTO) (Y Combinator directory entry, February 8, 2022).
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Cozmo AI helps restoration franchisors, TPAs and adjusters put agents to work on US property insurance claims. Agents are autonomous AI workers that answer intake across all channels, coordinate crews and write up losses. Putting them to work means deploying across the full claim, from first notice of loss to crew dispatch and damage estimate to supplement approval. Work that took human teams days to weeks closes in minutes.
Cozmo is an operating system for the whole claim, end to end, and it runs on top of the estimating software, CRM and phone system already in place. Nothing gets ripped out and nothing gets migrated.
This allows operators to run more jobs per adjuster and send estimates that clear review the first time. On the carrier side, the same work cuts cycle time to hours and leaves a line-item record of every loss, so risk can be priced by property instead of by ZIP code.
Cozmo's platform captures context from every claim it touches and gets sharper with each one.
Go to hellocozmo.ai and book a demo to see the Cozmo AI agents in action.
Alok Kumar
Founder/CEO
Nuha Hashem
Founder/CTO
Founders, titles and bios as the company published them. Photographs are our own copies of the ones on that record, so they do not break when the original link expires.
No investor is drawn from a Form D — the form states how many invested and never who. The one investor on this graph is named because a batch has exactly one.
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Example from a real report (our sample on Target): “The Q2 2026 earnings report, published August 19, 2026, showed adjusted EPS of $2.46 against an expected $2.33” Source: CNBC
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Cozmo AI (YC W22) — End-to-end AI agents for property claims, from loss report to estimate. MentionFox, 2026-10-27. https://mentionfox.com/funding/yc-cozmo-ai
