Commercial & complex
Senior field judgement, cause analysis, repair strategy, business interruption and retained technical experts.
Returns: scope, reserve rationale and decision-ready reporting
Line dossierLine 01 — Property
01
Commercial & residential property, including flood.
Commercial property is won on adjuster judgement. Residential is won on disciplined throughput. We staff both differently, but hold them to one file standard.
One examiner, one field bench and one live record — from the first notice through appraisal, payment and recovery.
Operating brief
Specialist from the first assignment.
Carriers · MGAs · programme business · habitational and agricultural schemes
- Daily residential & commercial property
- Large & complex losses
- Flood — NFIP & private
- Builders risk & course of construction
- Business interruption
- Habitational, agricultural & E&S
- Catastrophe surge
Line-specific operating procedure
A property file, controlled from notice to recovery.
- 01
Section 01 · Intake
Notice & segmentation
Capture the loss, policy and occupancy, then separate volume residential work from losses requiring commercial judgement.
Output
Acknowledged file and first instructionControl
Coverage and severity flags - 02
Section 02 · Desk
Scope & deploy
Assign the desk owner and the right field adjuster, with engineer, forensic accountant, appraiser or umpire support where the facts require it.
Output
Documented assignment scopeControl
Authority and specialist approval - 03
Section 03 · Field
Inspect & quantify
Record cause, damage, photographs, measurements, repair scope and business-interruption material against the agreed reporting standard.
Output
Evidence-led estimate and reportControl
Estimate and evidence review - 04
Section 04 · Examiner
Resolve & recover
Move coverage, reserve, negotiation, payment, salvage and subrogation through the same accountable file owner.
Output
Outcome and closure reportControl
Payment authority and recovery check
Operating lanes
Different losses need different operating lanes.
Commercial property, residential volume and catastrophe work share one record, but not one undifferentiated handling model.
Residential & volume
Structured intake, diary, estimate review and quality checks keep routine files moving without losing escalation discipline.
Returns: consistent estimates, contact records and closure data
CAT & flood
Event triage, surge allocation and field capacity support NFIP and private-flood work across affected territories.
Returns: one visible queue and one reporting cadence
Recovery & loss control
Subrogation, salvage and post-loss insight connect the claim outcome to future underwriting decisions.
Returns: recovery status and underwriting feedback
Quality architecture
Control is designed into the file.
Reviewable at every handoff
Protocol 01
Named ownership
The examiner remains accountable while field and technical work move around the file.
Protocol 02
Reasoned reserves
Reserve changes follow documented evidence, coverage and quantum rather than a mechanical diary event.
Protocol 03
Estimate discipline
Scope, photographs, measurements and estimate are reviewed as one evidential package.
Protocol 04
Closure completeness
Payment, reporting, salvage, subrogation and outstanding recommendations are checked before closure.
Illustrative file view
Account / claim
Live operating record
Status
In review
01
Executive position
Current coverage, cause, reserve, exposure and next decision.
02
Damage & quantum
Scope, estimate, photographs, supporting records and variance explanation.
03
Technical evidence
Engineer, accountant, appraisal or specialist findings where instructed.
04
Actions & recovery
Open actions, owners, target dates, salvage and subrogation position.
The deliverable
A file that shows the judgement, not just the activity.
The report is structured for the person making the next decision, with evidence and rationale connected rather than delivered as separate attachments.
Structured around the client’s instructions and review needs.
Who we work for · Accounts we serve on property. · Approved vendor & trusted partner
Auto-Owners InsuranceProperty · flood
AmicaProperty & casualty
AcuityProperty & casualty
ChubbProperty & liability
SentryVPD appraisal
EMC InsuranceP&C appraisal
SageSureGulf Coast appraisal
SelectiveFlood
The HartfordFlood
Farmers InsuranceFlood · Foremost
National Flood Insurance ProgramFlood
Relationships are held across the Global Group Claims Corp. portfolio of companies.
Flexible by design
Take the whole property book, or the capability the file needs.
Path 01
Delegated programme
Intake, desk, field, specialists, reporting and recovery under one agreed authority.
Path 02
Independent assignment
Commission an inspection, appraisal, investigation or specialist task into your existing claims function.
Path 03
Pre-loss programme
Add underwriting-led surveys, recommendation tracking and evidenced re-inspection around the portfolio.
Start here
Put property claims in motion.
Tell us the line, the states and the volume. We will map the right operating model and show you how the first file moves.