Claims / Catastrophe
Surge is a staffing problem with a licensing constraint
Event-scoped handling: adjusters deployed to an engagement, licensing respected per state, and the fee structure carried through to the invoice at the end.
Volume is the visible problem. The one that actually causes trouble is putting the wrong adjuster in the wrong jurisdiction at speed.
Plan a surge with usWhat breaks first in a catastrophe?
Assignment discipline. Volume arrives faster than supervisors can triage, and manual assignment starts ignoring licensing to keep up. Auto-assignment that filters on license state at creation removes the temptation, because the unlicensed adjuster is never a candidate in the first place.
Deployment and assignment
How an event is absorbed
- 01
Intake scales
Bulk upload for carrier feeds, agentic capture for documents, and the virtual call center for notices taken by people who are not your staff.
- 02
Licensing holds under load
Assignment filters on license state at creation. Speed does not create exceptions, because there is no manual path being bypassed.
- 03
Deployments scope the surge
Adjusters are deployed to an engagement with dates and a fee structure, so the event has an operational and a commercial boundary.
- 04
Deadlines still compute
Statutory clocks are computed per claim regardless of volume, and the book-wide view is where triage actually happens.
- 05
The invoice follows the work
The deployment’s fee structure produces the invoice from claims actually handled — so a surge does not become a month of reconstruction.
After the event
What the operation is left with
The month after a catastrophe is where the operational cost really lands, and it is mostly the cost of reconstructing what happened.
Who handled what?
Assignment history on every claim
Was everyone licensed?
License state was a precondition of assignment, not an audit afterwards
What do we bill?
Deployment fee structure against claims handled
Did we miss deadlines?
Compliance deadlines, book-wide, retained
How did reserves develop?
Change history per claim with reasons
The platform does not create capacity
It removes the failures that make surge worse. It cannot substitute for adjusters you do not have.
No capacity from software
Auto-assignment allocates the people you have faster. It does not adjust claims, and a genuine shortfall stays a shortfall.
Licensing is a hard constraint
If nobody on the roster is licensed in the affected state, the platform will not manufacture a candidate. That refusal is correct and it is still a problem you must solve.
Catastrophe pricing is commercial
Fee structures for surge engagements are your agreements. We carry them; we do not suggest them.