Carrier-facing by design.
Theo is not a public adjusting firm or restoration contractor. The company is positioned to support the claim professionals responsible for evaluating, documenting, managing, and resolving property claim files.
Our work is designed to help claim teams understand the loss, identify the technical issues, track pending information, and receive documentation that can be used inside the claim file.
Primary Audiences
| Audience | How Theo Supports the File |
|---|---|
| Insurance carriers | Technical claim support, expert coordination, field assessment documentation, estimate review, large loss summaries, and carrier-ready reporting. |
| TPAs and claim administrators | Assignment coordination, diary support, status tracking, contractor/vendor coordination, and structured file documentation. |
| Underwriters and program teams | Property damage context, loss documentation, risk observations, and technical support for complex or recurring claim issues. |
| Legal teams and coverage counsel | Chronologies, expert coordination, litigation support summaries, subrogation documentation, and organized factual file support. |
| Large loss and CAT teams | Surge support, daily status tracking, expert/resource coordination, rapid estimate review, and open issue reporting. |
Claim Environments
- Commercial and residential property losses
- Large loss and complex building damage files
- Storm, fire, water, smoke, collapse, impact, and equipment-related losses
- Disputed repair scope, estimate, mitigation, and supplement issues
- Litigation, appraisal, subrogation, and expert documentation files
- CAT response and high-volume assignment environments
Theo provides technical and documentation support. Policy interpretation, legal advice, claim acceptance, claim denial, and payment authority remain with the authorized claim team and counsel.