Large-loss claims at a regional property insurer
Every large claim waited for one of two senior adjusters to sign off. Files waited about 13 days. Several experienced adjusters were qualified to approve claims within their competence but had no authority to.
What changed: Sign-off authority moved to an adjuster who was already qualified, with clear limits, and a checklist at intake caught missing documents. Together, they cut the wait for a review from about 13 days to under an hour, and adjusters went from asking what to do to acting and reporting back.