Claim-side insight without underwriting authority.
Underwriting teams often need clean information from the claim environment: what happened, what was observed, what documentation supports the file, and whether recurring property conditions or loss patterns may deserve closer review.
Theo Claims helps organize the technical and factual side of property loss information so underwriting, program, and claim leadership teams can review the file with better context.
Theo provides documentation support, field-informed observations, and technical claim context. Theo does not bind coverage, price risk, issue underwriting decisions, or replace carrier underwriting authority.
How Theo Supports Underwriting Review
| Area | Support Provided |
|---|---|
| Loss documentation | Organized summaries of reported cause, observed damage, repair scope, photos, estimates, expert involvement, and open documentation gaps. |
| Risk observations | Field-informed notes regarding property conditions, recurring damage issues, maintenance concerns, building components, or repeated claim drivers observed in the file. |
| Program feedback | Claim trend observations, documentation quality concerns, vendor performance notes, and recurring file issues that may help program teams improve controls. |
| Technical coordination | Coordination of building consultants, estimators, engineers, cause and origin experts, or other specialists when underwriting teams need clearer factual support. |
Common Use Cases
- Large loss claim summaries for underwriting or program review
- Recurring property damage or claim trend observations
- Pre-renewal claim file documentation support
- Commercial property loss context for risk review
- CAT activity summaries and surge-related loss observations
- Construction, building envelope, roof, water, fire, or mitigation issue summaries
- Open item reporting when underwriting needs clearer documentation from the claim file
Deliverables
Claim File Summary
Organized overview of facts of loss, observed conditions, documents reviewed, pending items, and available technical support.
Risk Observation Memo
Field-informed notes regarding recurring property conditions, damage patterns, repair concerns, or documentation issues seen in claim files.
Program Review Support
Summaries of claim activity, service issues, vendor performance, open items, and recurring documentation gaps across a book or program.
Authority Boundaries
Theo does not provide underwriting decisions, policy interpretation, premium recommendations, coverage opinions, claim acceptance, claim denial, or legal advice. Theo's role is to organize technical and factual claim information for authorized client review.