Post-Loss Mitigation Begins with Claims Advocacy.

Post-loss claims advocacy is critical to claims mitigation. It involves a collaborative process between the client, us, and the insurer for improved claims outcomes. With our support, when clients are involved from the beginning and understand the claims process and how it will benefit them, they will be better able to reduce their claims costs and improve their risk profile.
Our claims advocacy approach involves:

First Reports

Porter & Curtis processes first reports on all claims, excluding Workers’ Compensation claims, unless handled by a Third Party Administrator (TPA).

Claim Inquiries

A claim inquiry is any ad-hoc claim related request for information. Once the request is addressed, no further action is taken.

Referral Claims

A Referral Claim is any significant claim as defined by the client. Porter & Curtis will assign a Claim Advocate to be an integral part of the process until the claim is resolved. The Advocate’s role is as follows:

• Collaborate with the client and adjuster on a resolution strategy
• Identify and pursue non-insurance third-party recoveries
• Monitor reserves on a most likely outcome basis
• Resolve coverage denials and reservation of rights letters
• Secure excess recoveries

Claim Review Meetings

We will hold claim review meetings in accordance with client’s service plan. We treat each claim reviewed at a claim review meeting as a point-in-time Referral Claim and advocate accordingly.

TPA Management

Our Third Party Administrator (TPA) management involves negotiating the terms and contract wording of the services provided by the TPA, auditing claim files every two years, and maintaining the servicing plan. Sphere Risk Partners serves as many of our clients’ TPA and handles all Property & Casualty lines and Workers’ Compensation.