A property claim rarely arrives in one piece. Field adjuster reports, photographs, insured correspondence, handwritten notes and expert reports reach the adjuster in different formats, from different senders, over a period of weeks.
This session is built around a single claim: a loss reported as routine and initially reserved at $85,000 that, over several weeks and a steady flow of new documents, develops into an $5 million exposure.
The session will cover:
- Where the market actually stands – the view from the insurance carriers.
- From documents to chronology – how incoming material is classified, placed on a timeline, and reviewed for missing information and for indicators that may warrant further investigation.
- When the claim outgrows the adjuster's authority – at $85,000 one person signs off; at $5 million the file is referred up, with business rules engine, determining exactly where that line falls.
- Reconstructing a single decision – walking the full approval chain the way you would if a DOI examiner asked for it.
- The moment of disagreement – a reviewer rejects an AI-supported recommendation and documents why, consistent with the principle that AI analyzes and humans decide.
Join Maciej Wir-Konas, a Decerto expert with 10 years of experience implementing modern solutions for insurers, and Darin McCarthy, Founder and Managing Consultant at McCarthy Claims Consulting, with 30 years in property and auto claims.