Built from field experience and claim discipline.
Theo Claims was formed with a field-first understanding of property claims and building conditions. Good decisions begin with what can be seen, documented, measured, supported, and explained—not just what appears in a data feed or generic checklist.
Today, Theo’s primary work is expert consulting, field inspections, and structured reporting. Its second core function is a ready TPA claims operations platform that connects intake, triage, assignments, diaries, experts, quality control, reporting, and analytics.
The goal is simple: put the right people on the assignment, create a stronger factual record, and use responsible technology to keep every next action visible.
What Guides the Work
Field Perspective
Claim support should reflect what can be seen, documented, measured, explained, and verified at the loss location.
Technical Coordination
The right expert, consultant, estimator, or field resource should be matched to the actual claim issue.
Documentation Control
Reports and summaries should identify facts, support, missing information, pending items, and next steps.
Intelligent Operations
AI-assisted workflows organize documents, surface exceptions, and accelerate reporting while people retain judgment, quality control, and authority.
Built For Claims and Property Decisions
- Carrier-facing reporting and documentation support
- Practical field and construction loss understanding
- Expert, consultant, and estimator coordination
- Estimate, mitigation, supplement, and scope review support
- Large loss, CAT, litigation, appraisal, and dispute documentation
- Pre-policy, pre-loss, ownership, lender, and transaction-focused property intelligence
- AI-enabled TPA operations with human-in-the-loop quality control