Documentation that helps the claim team act.
A strong claim file needs more than raw photos, scattered notes, and informal status updates. Theo organizes claim information into deliverables that can be reviewed, shared, tracked, and used by the authorized claim team.
Theo's reporting standard is simple: clear facts, supported observations, identified pending items, and practical next steps.
Core Deliverables
| Deliverable | Purpose |
|---|---|
| Assignment acknowledgment | Confirms receipt, claim identifiers, requested service, documents received, and immediate next action. |
| Field assessment summary | Documents inspection status, observed conditions, affected areas, photo references, and open field issues. |
| Cause and origin summary | Organizes reported facts, expert involvement, evidence needs, preservation concerns, and pending technical questions. |
| Estimate review memo | Reviews scope, line item support, estimate variance, mitigation documentation, and requested backup. |
| Large loss status report | Tracks exposure issues, expert reports, estimates, documents, inspections, due dates, and escalations. |
| Claim chronology | Summarizes key dates, assignments, inspections, reports, document requests, and major claim file events. |
| Final report package | Compiles findings, summaries, attachments, pending items, and claim support documentation for delivery. |
Quality Review Checks
- Correct claim number, insured name, and loss location
- Clear assignment type and requested service
- Attachments identified and referenced correctly
- Findings tied to documents, photos, estimates, or expert reports
- Open items and missing information clearly listed
- Unauthorized legal, policy, acceptance, or denial conclusions excluded
- Report language suitable for carrier, TPA, underwriter, or legal review
- Next actions and escalation items documented
Service-Specific Work Product
Estimate Files
Estimate review memo, variance summary, line item support notes, mitigation document requests, and supplement issue logs.
Expert Files
Expert assignment summary, report tracking, findings support, evidence log, and chronology development.
Large Loss / CAT
Status reports, open issue logs, inspection tracking, report due-date tracking, and daily or periodic production summaries.