Is this claim file ready to go?
The claim check reads the whole file the way a careful assessor would, then shows what is missing, what does not add up, and what to fix.
Live now for burst pipe and leak claims
Five steps, one record.
Send
Add the documents, photos and scanned pages in the claim file.
We read
Each item is read and the key facts are pulled out: dates, readings, quantities, who is who.
We rate
Every check comes back red, amber or green, with the page or photo behind it.
A person confirms
An assessor confirms the evidence and the findings. Until then, nothing counts as green.
Send or fix
Nothing is released while a problem is open. A record of the decision is kept.
Ten things, in the order a claim happens.
From the first call to the decision to send. Each of the ten has around ten smaller checks, 100 in all.
Example claim. Illustrative ratings.
A claim, in order.
Every claim follows the same order. Each stage has a checkpoint, and the next one does not start until the last is on the record. Shown for a burst pipe or leak claim.
First call and timeline
- Who, what and when
- Claim and policy details
- Date of loss and when it was reported
The claim is identified and the timeline adds up.
Make safe and find the cause
- What caused the water
- Where it travelled
- Moisture readings and drying steps
Cause, spread and drying are shown before repairs are planned.
Inspect the damage
- Damage, room by room
- Which damage the event caused
- Why each repair is needed
Every item of damage is tied to the event, with the reasoning shown.
Scope and price the work
- Scope of works, line by line
- Quantities and prices
- Variations and who approved them
The scope and the price agree, and nothing is priced that was not scoped.
Review and sign off
- Anything that does not add up
- What could go wrong, in plain terms
- Sign-off by a named person
Nothing is released while a problem is open or unconfirmed.
It never decides the claim.
- It does not decide cover. Exclusions are the insurer's call.
- It does not score a file to cut a payout.
- It does not release anything without a person confirming.
- It does not state what the evidence cannot show.
We are starting with burst pipe and leak claims. Other claim types follow once this one is proven.
See it on a worked example.
We will walk you through a full claim file, the findings, and the evidence behind each one.