Complex Multi-Carrier Claims That Actually Close

Large loss events frequently involve multiple separate policies. Property, contents, business interruption, flood, and wind coverage may each sit with a different carrier — each with its own adjuster, format, and approval workflow. We maintain separate documentation streams for every policy and coordinate joint inspections when needed.

Scope submission is the first deliverable that shapes the entire claim. We submit Xactimate ESX files in the format the adjuster's system consumes directly — no manual re-entry, no missed line items, no format disputes. The faster the carrier sees a clean scope, the faster the claim moves.

Supplements are normal in large loss work. Hidden damage discovered during selective demolition becomes a formal supplement with photos, test data, and scope justification. We submit within 5 business days of discovery and follow up until written disposition is received before resuming work in the affected area.

Dispute resolution follows a defined escalation path: re-walk with adjuster → appraisal → umpire → mediation. We support every stage with documentation ready for third-party review. The chain of custody and audit trail built during mitigation become the evidence package for any disputed scope item.

Business interruption claims require meticulous timeline documentation. Forensic accountants engaged by the carrier or insured will request our daily field reports, schedules, and delay documentation to substantiate lost income calculations. We provide carrier-ready BI documentation as a standard deliverable.

On claims exceeding $500,000, Special Investigations Units (SIUs) may review the documentation package for fraud-prevention purposes. Our packages are built to SIU standards from day one — hash-verified photos, GPS-stamped moisture data, and time-locked daily reports — so no claim is delayed because the documentation cannot withstand scrutiny.