Built from field experience and claim discipline.
Theo Claims was formed with a field-first understanding of property claims. The company recognizes that good claim support starts with the conditions at the loss location, the quality of the documentation, and the judgment used to identify what still needs to be confirmed.
For carriers and TPAs, Theo is designed to provide organized, responsive support when a file needs technical review, field coordination, estimate analysis, large loss documentation, or clearer open issue tracking.
The goal is simple: help claim teams maintain file control, understand the facts, identify pending items, and receive work product that is useful, timely, and carrier-ready.
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.
Authority Boundaries
Theo supports the file without replacing the carrier, TPA, adjuster, or counsel authority to make claim decisions.
Built For Claim Teams
- 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
- Quality review focused on clarity, support, and authority boundaries