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Climate Disclosure

Climate Disclosure Meets Claims Data: Navigating the New Regulatory Landscape for Insurance Carriers

12/19/2025

You’re facing a 2026 deadline requiring ZIP-code-level climate attribution that your current claims systems weren’t designed to deliver. Legacy cause-of-loss codes lack the precision regulators demand, while disconnected systems between claims, finance, and catastrophe modeling create accuracy risks. You’ll need 12-18 months to build the infrastructure connecting claims documentation to

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claims operations

The Build-vs-Partner Decision: Total Cost of Ownership for Claims Operations

11/20/2025

After working with insurance carriers across different sizes and market positions for over 16 years, we’ve observed a consistent pattern: carriers typically underestimate the true cost of building internal claims capacity by 40-60%. This miscalculation stems from focusing on adjuster salaries while overlooking the compounding expenses of recruitment, training, infrastructure,

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AI-generated fraud

How AI-generated Fraud Is Changing Claims Investigation

10/21/2025

The rise of AI-generated fraud is fundamentally reshaping claims investigation. Fraudsters now utilize synthetic media, voice impersonation, and document forgery to fabricate claims, challenging traditional detection methods. To combat this threat, you’ll need a proactive, technology-driven approach – from anomaly detection algorithms to expert-guided visual inspections. And by optimizing your

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social inflation

How Social Inflation Is Driving Up Your Claim Costs

10/08/2025

Social inflation is driving up your claim costs through a widening gap between economic inflation and actual insurance payouts. You’re facing changing jury sentiments that favor plaintiffs, aggressive third-party litigation funding, and reptile theory tactics that increase nuclear verdicts. Florida’s regulatory environment intensifies these pressures, creating unprecedented financial exposure. You’ll

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send an adjuster

When Should You Send an Adjuster to the Field?

09/04/2025

Understanding the critical decision points that determine optimal adjuster deployment for insurance carriers The decision to deploy a field adjuster versus handling a claim through fast-track processing represents one of the most consequential operational choices facing modern insurance carriers. This decision directly impacts settlement accuracy, cost per claim, customer satisfaction,

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