Axiom field notes

Claims & carriers

Carriers, TPAs, and the programs that sit between a finished estimate and a paid one. Written from the contractor's side: what the scorecard is actually measuring, what a match report can and cannot establish, and where policy language beats an adjuster's guidelines.

10 posts

Posts in Claims & carriers

Claims & carriers2 min read

Your TPA is scoring timestamps. Here is where software moves each one.

Compliance metrics are mostly clocks: contact, first on site, estimate uploaded, file closed. Each clock has a different owner and a different fix.

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Claims & carriers2 min read

Florida paid for an audit of its insurers, then buried what it found

Carriers claimed a 438 million dollar hemorrhage. A state-ordered forensic audit found billions in profit routed through affiliates. The study vanished, SB 2A passed, and claim denials climbed.

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Claims & carriers2 min read

The rush to Symbility is not about better software

USAA, Liberty Mutual, Erie, and Chubb are moving estimates onto a platform the video says writes roughly 30 percent lower than Xactimate. The ownership behind it explains the timing.

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Claims & carriers3 min read

Why the no-negotiation crowd gets paid: the contract math

You have a contract with the homeowner. The homeowner has one with the carrier. The video argues that arrangement, used correctly, beats haggling with an adjuster.

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Claims & carriers2 min read

Type in the parent company's URL. Watch where it redirects.

After the first ITEL video published, the response was not a rebuttal. It was scrubbed LinkedIn profiles and a domain that quietly points at the lab it supposedly does not control.

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Claims & carriers2 min read

The match report is only worth what its independence is worth

A single repair-or-replace call can swing a claim by tens of thousands of dollars. The video lays out why ITEL's claim to be an independent lab does not survive a look at its ownership.

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Claims & carriers2 min read

Answer adjuster revisions with documentation, not another phone call

When a carrier sends back a revised estimate, most shops burn hours arguing line by line. There is a faster way to defend the work you already did.

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Claims & carriers2 min read

There are only two contracts on a water loss, and neither one is the carrier's guidelines

Your contract is with the homeowner. The homeowner's contract is with the carrier. Internal guidelines are not part of either agreement, and treating them like they are is why invoices get cut.

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Claims & carriers2 min read

Estimate assists are the quiet upside of TPA work

On an assist you write the estimate for the carrier. When no other contractor is on the job, you are scoping work you are positioned to win, with relationships on both sides of the file.

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Claims & carriers2 min read

The XactAnalysis API is open. Automate your SLAs before the TPA automates you.

Verisk released an API for XactAnalysis, which means software can now sit on top of your program workflow. Four integration points cover first contact, notes, work schedules, and getting paid.

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QUESTIONS, ANSWERED

Claims & carriers questions

What claim-review topics are collected here?

Browse articles about carrier programs, TPA scorecards, adjuster revisions, material reports and the role of policy wording. Read each article in its stated context.

How do I find articles about claims & carriers?

Use the articles listed on this topic page. Open an article for its full explanation, examples and source context.