Professional claims audit and consulting services.
We provide independent, third‑party claim analysis for insurance carriers, TPA's, businesses, and property owners. Our team identifies and documents discrepancies, validates estimates, and delivers structured, timely written reports. We operate with no advocacy, no bias, and no conflicts of interest, ensuring objective and reliable results.
How It works
1
Submit your claim
Complete the intake form, provide a description of your situation, and upload your documents using the drag‑and‑drop feature. The process takes less than five minutes.
2
Specialist Assigned
A specialist is assigned within 24 hours of submission. Our team conducts a thorough review of the policy language, adjuster reports, and all applicable state regulations to ensure an accurate and compliant assessment.
3
Report
A detailed written report outlining specific findings and recommended next steps is provided directly to your inbox, ensuring clarity, precision, and timely delivery of actionable information.
What We Audit
From minor auto incidents to major commercial property losses, our specialists meticulously review every detail of each file to ensure accuracy and clarity.
Who We Work with
Independent analysis for every claim professional. We collaborate with all sides so objectivity stays guaranteed
Carrier & TPAs
Comprehensive claim oversight: QC audits, desk review programs, reserve adequacy analysis, SIU support, and independent validation of adjuster estimates at both pre‑ and post‑closure.
Independent Adjusters
Pre‑submission peer review to identify missing scopes, code‑driven upgrades, and pricing errors—before the carrier challenges the estimate or reopens the claim
Individual/Policyholder
We conduct desk reviews of personal claims solely to provide information and insight.
Pricing
Transparent. Flat‑Rate. No Hidden Fees.
Standard Pricing
Our reviews are billed at a flat‑rate fee with no contingency charges and no outcome‑based compensation. Pricing is fully transparent and industry‑competitive. Applicable local sales taxes may apply.
What You Can Expect
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Flat‑rate pricing — predictable, consistent fees
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No contingency fees — we never charge based on claim outcome
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No hidden costs — clear, upfront pricing every time
Volume & Enterprise Pricing
For carrier, TPA, and IA partners with recurring or high‑volume needs, we offer tailored pricing programs.
Submit a business inquiry and we’ll contact you directly to discuss volume‑based options.
Auto Claim Review
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Policy coverage analysis — Clear interpretation of applicable coverage and limitations
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Adjuster report evaluation — Independent review of findings and documentation
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Settlement comparison — Benchmarking settlement accuracy and fairness
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Written summary report — Concise, actionable conclusions
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Regulatory code review
Property Claim Review
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Structural damage assessment — Independent evaluation of building integrity and scope of impact
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Contractor estimate comparison — Side‑by‑side review to identify discrepancies and overages
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Building code compliance — Verification of required upgrades and jurisdictional mandates
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Depreciation analysis — Accurate calculation of recoverable and non‑recoverable depreciation
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Coverage gap identification — Detection of missing, limited, or excluded coverage exposures
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Comparison written report — Clear, documented findings summarizing variances and recommendations
Contents/ Personal Property
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Independent ACV valuation — Per‑item actual cash value assessment based on condition, age, and market data
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Replacement cost & LKQ sourcing — Identification of like‑kind‑and‑quality replacements with verified pricing
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Category‑specific depreciation — Tailored depreciation calculations aligned with item type and industry standards
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Electronics, appliances & furniture — Specialized valuation across high‑variance household categories
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Clothing, tools & collectibles — Condition‑based valuation for personal property and specialty items
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Itemized written report — Clear documentation of values, sources, and methodology
Renters Policy Coverage Review
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Full policy language analysis — Comprehensive review of insuring agreements, conditions, exclusions, and endorsements
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Coverage limit adequacy assessment — Evaluation of whether limits, sublimits, and extensions align with the loss
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ALE / loss‑of‑use entitlement review — Verification of eligibility, duration, and allowable expenses
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Exclusion & condition review — Identification of policy provisions that may restrict or expand coverage
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Written coverage summary report — Clear, concise documentation of findings, interpretations, and recommendations
Flood & NFIP Claim Review
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NFIP policy & WYO carrier review — Evaluation of policy form, coverage applicability, and carrier‑specific requirements
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Building vs. contents coverage split — Verification of proper allocation between structural and personal‑property limits
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Elevation certificate impact analysis — Assessment of how EC data affects rating, coverage, and claim outcomes
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ICC coverage applicability review — Determination of Increased Cost of Compliance eligibility and triggers
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Written summary report — Clear documentation of findings, variances, and recommendations
Catastrophe & Large Loss Review
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Losses exceeding $60k RCV — Oversight and validation for high‑value residential and commercial claims
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Hurricane, wildfire, hail & flood events — Catastrophe‑event expertise across major perils and complex damage patterns
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Multi‑structure & commercial property — Coordinated evaluation for multi‑building, mixed‑use, and commercial sites
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Full‑scope reconstruction — Comprehensive assessment of repair scope, materials, labor, and sequencing
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Custom‑scope written report