Service
Claims leakage review
Find overpayments, missed recoveries, and silent concessions that sit inside otherwise closed applications.
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Leakage is rarely one dramatic error. It is a pattern of small concessions: an excess waived without authority, a betterment skipped, a subrogation file never opened, an ex gratia payment coded as contractual.
We read closed and near-closed applications against the insurer’s own authority matrix and recovery procedures. The aim is a measured leakage estimate, not a headline percentage.
Where recoveries are still open, we separate what can still be pursued from what is already time-barred or commercially spent.
On the engagement
- Authority-matrix test on waivers and ex gratia amounts
- Salvage, contribution, and subrogation completeness check
- Quantified exception schedule by cause, not by anecdote
- Short briefing for the claims manager on repeat causes