Hosta AI

AI-powered property assessment that turns photos into accurate repair estimates -- no inspector required.

Claims Technology Growth Series A

Overview

Hosta AI is a property assessment technology company that uses patented artificial intelligence to generate accurate repair estimates and inspection reports from photographs alone. Founded in 2018 by CEO Henriette Fleischmann and CTO Rachelle Villalon -- both MIT graduates -- the company built its core technology on MIT research combined with more than a decade of property damage assessment data.

The company's image-to-estimate platform enables insurers, contractors, mortgage lenders, and independent adjusters to assess property condition, scope repairs, and generate detailed line-item cost estimates from a few standard smartphone photos. No on-site inspectors, specialized cameras, or app downloads are required. Hosta AI claims its solution reduces the time required for traditional property assessments by approximately 80%.

Hosta AI serves the full property insurance workflow from first notice of loss (FNOL) through claims resolution and underwriting risk assessment. The platform integrates with leading insurance platforms including Guidewire and CoreLogic, and is used by carriers such as American Integrity Insurance and Cincinnati Insurance Company.

Products & Services

Image-to-Estimate Platform

Core platform that converts property photos into detailed, line-item repair estimates using patented AI. Analyzes interior and exterior photo sets to identify damage type, quantify repair scope, and generate estimates compatible with standard insurance and construction estimating formats including Xactimate.

Key Features

Spatial analysis and material recognition from standard smartphone photos
Line-item estimate generation in insurer- and contractor-compatible formats
No custom app download or specialized equipment required
Interior and exterior assessment from photo submissions

Target Users: Insurance carriers, independent adjusters, restoration contractors

Remote Property Assessment

Enables claims adjustment and underwriting workflows entirely through photo submission. Supports FNOL intake, damage scoping, and risk evaluation without a site visit. Provides measurements, materials identification, and floor plan information from uploaded photos.

Key Features

FNOL through estimate generation in a single workflow
Policyholder self-service photo submission
Underwriting-grade property condition reports
Supports both automated assessment and human-review workflows

Target Users: Property carriers, underwriting teams, claims adjusters

Integration and API Access

REST API for integration with insurer claims management systems, carrier platforms, and restoration networks. Outputs structured, machine-readable estimates for downstream automation.

Key Features

REST API for claims platform integration
Guidewire integration (Insurtech Vanguards program)
CoreLogic Claims Connect Platform integration
Xactimate-compatible output format

Target Users: Insurance IT teams, systems integrators

At a Glance

Founded: 2018
Headquarters: Cambridge, Massachusetts
Employees: 11-50
Funding: Series A

Category & Focus

Category: Claims Technology
Subcategories: AI-powered property estimation remote property inspection image-to-estimate FNOL automation
Insurance Verticals: P&C Personal P&C Commercial
Target Customers: Carriers, MGAs/MGUs, Brokers, TPAs