Adjuster Application
Allied American offers a full range of insurance claim services, serving a diverse set of client needs across the US.
Allied American’s daily claims services offer a wide range of multi-line, property, casualty and general liability services which are tailored to fit each client’s expectations, timelines, and reporting requirements. Our seasoned and knowledgeable staff of adjusters located throughout the U.S. has many years of experience working in all lines of business with a broad range of clients and insurance carriers. From policy processing, underwriting and claim operations, each adjuster is trained to understand each client’s expectations. Our management team is constantly streamlining our process controls and tracking and reporting performance standards in our own proprietary web-based claims monitoring software called CIMS, which is fully interfaced with all estimating and reporting software programs as well as our client’s specific claims management reporting systems.
Allied American takes pride in its emphasis on its commercial property claims division and our ability to handle large and complex commercial claims for numerous clients throughout the U.S. We use experienced GA and EGA trained adjusters to travel to any location and quickly and accurately assess complex and unique situations and report to our clients with a critical initial assessment of damages and exposure so reserves can be set and a plan of action can be determined. Our managers closely follow the progress of the full claim process including working with experts, attorneys, and subrogation specialists in order to deliver full and accurate adjustment of the claim for our clients.
We offer a full range of claims management services for our TPA clients including general liability, products and property liability, property losses, litigation management, coverage and loss analysis, investigation services, reserve recommendations, claims staffing and data reporting. Our processes are tailored and customized to meet the service and reporting requirements of each client including the specific operating protocols and service standards for each client. We are focused on the details of the various components impacting costs and management of the entire claim process including indemnity costs, subrogation opportunities, adjuster and examiner expenses, as well as expert and attorney’s fees related to the negotiation and settlement of protracted litigation. Our dedicated account managers are involved in all stages and aspects of TPA claim management and utilize our full staff of experienced desk and field adjusters located all over the U.S.
Program Management
We serve as a partner resource to your underwriters for your program needs in claims management, full transactional management, reserving, financial reporting, internal analysis, risk reviews, and agency interaction. We believe this impacts the overall profitability of program business and protects the carrier’s ultimate exposures.
General Liability
Complete handling of liability claims from a simple slip and fall to complex accident claims. We work with claimants and insureds to complete a comprehensive investigation, negotiation, and suitable conclusion.
Products and Property Liability
Whether it is a manufacturing or design defect investigation or a failure to warn, we have extensive experience investigating all types of product claims and property liability occurrences.
Professional Liability/D & O
Allied American has claims professionals that work with the carrier and key stakeholders to investigate all claims thoroughly and arrive at a proper resolution. Our staff has decades of experience handling complex D & O and professional liability claims.
Litigation Management
We are highly proactive at management of defense counsel in the litigation process throughout the life of the proceedings. We work during litigation to oversee all the phases of the legal process, billing, and cost containment. We provide proper legal management, communication and promote efficiencies during the initial phase through final legal conclusion.
Coverage and Loss Analysis
Providing statistical analysis of trends, reporting, documentation, and calendar management. We can provide tailored information to provide our clients with improved decision making and claim management. We work to assist our clients’ underwriters and executive teams with loss analysis information to make informed decisions that impact the profitability of business written.
Special Investigation Services
We support our clients by thoughtfully investigating each claim for subrogation possibilities as well as for early detection of any fraud indicators present. If detected, we will assist a fraud team to identify fraudulent factors, complete required statutory reporting, and support fraud mitigation for future incidents. Our experts can also review your SIU procedures to provide a set of protocols for your team to follow.
MGA/TPA Oversight Analysis and Audit
Through a separate subsidiary, US Insurance Services Group, we provide resources to assist carriers that write and service business through third parties to perform required oversight of their program partners. We provide objective reviews that contribute to the program’s success by improving contractual compliance, risk reviews, financial processing and reporting, internal controls evaluations, and results analysis. We provide a comprehensive executive-level report that assists all parties to consider opportunities to improve program results.
Underwriting Inspections
We assist you by obtaining critical information on properties from high-net worth homes to large commercial risks. We have a large network of inspectors throughout the country and will customize your program to fit your underwriting needs for adequate pricing and internal controls. We meet with your underwriting teams and design a customized program for inspections to maximize the quality of risks underwritten to protect bottom-line results.
Allied American regularly responds to all kinds of catastrophe events occurring throughout the U.S. caused by different types of weather-related storms and other large catastrophic occurrences. Our full staff of experienced adjusters, claim reviewers, field support, and QA personnel are selected and trained by our management team prior to deployment so they are familiar with the unique circumstances of the event and knowledgeable in the specific requirements for each client and the way their claims should be handled in the field. Since it’s formation, the company has handled about 100,000 catastrophe related claims and assignments, with as many as 20,000 being handled in one year.
Floods and rising water are some of the most common natural occurrences and can oftentimes cause the most devastating effects for insureds and their property. Understanding the importance of having a quick response to insureds and our clients is a critical part of our company’s approach in handling a flood claim event of any kind, whether caused by a small localized flood from rising water or in a large catastrophic hurricane hitting the U.S. coast. Allied American has recruited and trained a large roster of experienced and NFIP and private desk and field certified claim professionals. Our knowledgeable and responsive management team, led by Candice Hill, AVP – Flood Division and Donald Waters, Flood Consultant, are trained to handle all types of flood claims and understand the complexity of a proper and timely claim process.
We provide a full range of adjusting services and investigations for daily and catastrophic general liability claims throughout the U.S., for both personal and commercial policies, including property damage, bodily injury, and product liability losses. Our professional team of field adjusters and managers conduct a prompt and thorough investigation and report providing a vital initial assessment of the reported loss and proposed reserve amounts, devise a complete plan of action for a proper response for our client’s consideration, and work with any professionals assigned to evaluate and defend the claim as the facts and circumstances warrant.
Our focus in handling claims requiring special investigation is to use our broad background and experience to help our clients recognize the early indicators signaling a need for an investigation of a reported loss or claim. Our intention is to give our clients confidence that questionable claims will be screened and identified early, thoroughly investigated, handled appropriately, reported to the appropriated state fraud divisions as warranted, and most important, kept from the legitimate claim handling process. We use licensed, insured, discreet and experienced professionals who are knowledgeable about fraudulent or exaggerated claims and the manner and actions used by fraudulent vendors to work and defraud the system. We provide custom reports, forensic and surveillance services to determine cause and origin, conduct public record searches, and regulatory compliance auditing. The company is very active in the Florida Property and Casualty Fraud Task Force and stays connected with the various state fraud divisions to help identify fraud trends.
Allied American has extensive experience providing specialized auditing services for various projects, such as evaluating coverage applications after storm events as well as the internal review of a clients’ overall claim’s management process. Through a separate subsidiary, US Insurance Services Group, we provide resources to assist carriers that write and service business through third parties to perform required oversight of their program partners. We provide objective reviews that contribute to the program’s success by improving contractual compliance, risk reviews, financial processing and reporting, internal controls evaluations, and results analysis. We provide a comprehensive executive-level report that assists all parties to consider opportunities to improve program results.
Our company provides experienced adjusters and staff who are ready to assist our clients with analysis and support in the various methods of resolving all types of claim disputes including appraisals, mediations, arbitrations and litigation. We have a strong background of working with attorneys and other professionals to document and support our client’s coverage decisions and investigate and preserve the case file in order to protect our client’s interest.
When there is a dispute, it is important to have a knowledgeable experienced appraiser. We have appraisers committed to taking the proper steps to determine an accurate valuation. Following the necessary timelines, an appraiser is chosen from our many professionals based on their area of expertise. They will be familiar with the process and will work with all parties to come to a resolution.
Allied American has developed a Fast Track program for insurance carriers needing a quick solution for smaller claims using our own proprietary software program developed internally by our IT staff. We regularly provide fully trained and qualified personnel to handle full desk adjustments for our clients needing additional staff during peak times for weather related claims and catastrophes as well as specified claims not requiring full field adjustments.
Allied American has claims professionals that work with the carrier and key stakeholders to investigate all claims thoroughly and arrive at proper resolution. Our staff has decades of experience handling complex D & O and professional liability claims.
Our commercial and residential underwriting risk assessment program provides our clients with accurate risk and property conditions and other information to ensure compliance with all underwriting policy standards. We conduct our inspections and reinspections with specific emphasis on the physical condition of insured property and the identification of potential risks arising from undisclosed or deteriorated conditions of the insured’s property.