A disciplined claim lifecycle.
Intake
Receive assignments, capture required data, organize incoming files, and confirm client instructions.
Triage
Classify the claim, identify urgency and complexity, and route the file to the right handler and resources.
Investigate
Coordinate field inspections, expert review, estimates, documents, statements, and open questions.
Control
Manage diaries, SLAs, pending items, escalation triggers, costs, quality checkpoints, and client communications.
Report
Deliver status summaries, dashboards, issue logs, expert findings, financial data, and program analytics.
Close
Confirm completion, organize the final file, preserve source evidence, and export client-ready data.
Built for property claim programs
- Insurance carriers and reciprocal programs
- MGAs, MGUs, and program administrators
- Self-insured and captive programs
- Commercial property and specialty portfolios
- Large loss, CAT, and surge assignments
- Expert, field, and estimate-review programs
Program onboarding
| Workstream | What Theo Configures |
|---|---|
| Operating model | Program scope, claim roles, service levels, authority boundaries, escalation paths, communication standards, and reporting cadence. |
| Workflow | Intake fields, assignment rules, diary templates, task logic, quality checkpoints, expert and vendor pathways, and closure requirements. |
| Data & reporting | Client fields, structured data capture, dashboards, status reports, bordereaux and export needs, and portfolio-level analytics. |
| Quality & governance | Human review requirements, AI-assisted workflow controls, audit trails, exception handling, and client oversight. |
The platform supports the client’s approved operating model. Claim authority, policy interpretation, legal conclusions, and payment decisions remain with designated and properly authorized professionals.