Large-loss claims at a regional property insurer
Snapshot of a late-work problem
Fourteen adjusters, about 260 new claims a week. Large losses, about 18% of claims, need sign-off from one of two senior adjusters, who can each give about 20 hours a week to reviews. The manager’s words: “We’re always behind on big claims, and everything goes through two people.”
What we found: the bottleneck was sign-off authority, not headcount. Nearly a third of review demand was rework, files sent back for missing photos or estimates. What changed: a checklist at intake, and sign-off authority for an adjuster who was already qualified. No new hire.