Third Party Administration (TPA) Services
This includes full daily claims adjusting operations, catastrophe operations, and call center services. Allied American takes the First Notice of Loss (FNOL), addresses all field activity, determines and applies coverage, and processes final settlements. In addition, the Company proactively addresses mitigation, litigation, subrogation, liability, mediation, theft, complex and jumbo losses, and appraisal requirements.
Task Assignment Services
Includes policyholder contact, on-site damage inspections and detailed repair estimates, and reporting for various customers.
Liability Claim Services
Allied American handles liability claims for its clients throughout the U.S.
Fast Track Program
Allied American developed a Fast Track program for clients who routinely need solutions to smaller claims. A call center representative, using a software program developed internally by Allied American, can determine whether a loss should be direct connected to a Fast Track adjuster. Examples of losses that are handled through Fast Track include theft, fallen trees, water, lightning and power surge loss assessments. The Fast Track program currently is used for daily and CAT claims for one of the largest insurance companies based in Florida.
Catastrophe Claims Handling
Allied American handles catastrophe claims throughout the United States. In 2004 and 2005, the Company handled over 35,000 hurricane claims for several insurance carriers. For Hurricanes Ike and Gustav, the Company provided adjusting services for about 5000 claims. The Company adjusted 1200 claims from Hurricane Irene. For Hurricane Sandy, our adjusters handled approximately 3500 losses in the northeast. Allied American adjusted over 5000 claims along the east coast of FL, GA, SC, and NC for Hurricane Matthew in 2016. During 2017, the Company handled approximately 10,000 claims from Hurricanes Harvey and Irma.
Commercial Claims Handling
Allied American puts an emphasis on its commercial claims division and handles commercial claims for numerous clients across the U.S.
Inside Examination Services
Our Company has multiple contracts to place examiners inside our clients’ offices at the time of a CAT or daily overflow. Examiner services include both personal and commercial lines of business.
Allied American was contracted by the Mississippi Department of Insurance in 2013 to audit hail claims sdjusted by six insurance companies in Mississippi. After Hurricane Katrina, the Company was engaged by the Mississippi Department of Insurance to audit and perform QA on approximately 40,000 hurricane claims handled by a large carrier.
Allied American handled 1,350 flood claims generated from Hurricanes Irene and Sandy.
Excess and Surplus Lines Claim Assignments
Allied American has adjusted over 3,000 claims from excess and surplus lines of business.
Allied American’s commercial and residential Underwriting Risk Inspection Program provides our clients with accurate risk and condition information to insure compliance with underwriting standards. We conduct our inspections with specific emphasis on physical condition. Our condition reports have also proven to be a valuable resource to field adjusters in the event of a claim. The program is flexible and can be tailored to meet the individual needs of the client.Thorough risk-related physical inspections of the perimeter and roof are carried out by qualified inspectors who are knowledgeable of building and roof construction defects and their repairs. We rate roofing and exterior surfaces based on age, condition, etc.Insurance-To-Value (ITV) reports are also available.
Special Investigations Unit (SIU)
The Allied American team can help you recognize the ‘indicators’ early on in the investigation, and validate the necessary claim information, giving you peace of mind on legitimate claims while keeping the questionable claims out of the danger zone. Partnering with licensed, insured and experienced professional investigators, we utilize the latest in internet technology and information services. Our team is professional and discreet, providing timely, thorough and custom reports; as well as web-based client file management utilizing our claims information management system (CIMS). Allied American’s SIU forensic and surveillance services include: cause and origin, fraud and subrogation investigations, public record searches, fraud training, customized fraud plans, and regulatory compliance audits.
A review of onsite damage is another key control for companies that have staff adjusters or use multiple independent adjusting firms. Your obligation to your insureds is to ensure that they have received the service and the monetary consideration due under their contract of insurance. Our proven program is a non-biased approach to establishing damage assessment parameters, and evaluating submitted documentation to repair. Allied American’s professionals can identify trends and can recommend or provide training solutions. Our program has been used by both the insurance industry and government agencies to validate a variety of damage extent, costs and documentation.