Choice Claims: Overview by choiceclaims

ONE CHOICE

CHOICE is comprised of three distinct business units focusing on delivering exceptional field claims services, third party administration, and government damage inspections for large-scale catastrophe events.

SERVICES AND CAPABILITIES

CHOICE is a premier full-service independent adjusting firm, Third-Party Administrator, and Program Administrator for Government Catastrophe Response. Our vision is leveraging traditional claim related services with forward thinking process models across all our businesses. Choice’s clientele includes national and regional carriers and government agencies. Our professional resources are strategically located across the contiguous U.S., and we are constantly growing our resource footprint in the markets we serve. We have worked virtually every major catastrophe since our founding in 2012, and have a strong daily claims operation, as well as, a full-service liability department.

MARKETS AND SERVICES

Diversity is essential to our operational strategy.

CHOICE is registered, licensed and/or approved in all 50 states, Puerto Rico and in the London Experts Database.

Lines of Business:

• Auto

• Property

• Liability

Loss Types:

• Daily

• Catastrophe

• Residential

• Commercial Services:

• Full TPA Outsource

• Desk Adjusting

• Staff Augmentation

• Desk Audits

• Field Appraisals

• Virtual Inspections

• Contents Only

Policy Demographics:

• Preferred/SP Voluntary

• Assigned Risk/Involuntary

• REO/Lender Placed

PURSUING OPERATIONAL EXCELLENCE

Partnering with our clients to calibrate and optimize your unique service model.

SERVICE NEEDS

Geography

Lines of Business

Types of Losses

Catastrophe Response

Staff Augmentation

OPPORTUNITY

AREAS

Financial Modeling

Aerial Imagery Utilization

Customer Engagement

WORKFLOW

Integration Points

Preferred Software

Mobile Strategy

Service Partner Utilization

Policy Impact Modeling

TRAINING

Policy/Coverage Philosophies

Estimating Guidelines

Official Claim Correspondence

Regulatory Compliance

WHAT CLIENTS ARE SAYING

We are selling a promise to our insureds that when claims are filed it is time to act on that promise. For the past eight years, we have partnered with Choice to be our boots on the ground and get out to appraise and adjust our damaged properties. We continue to partner with Choice because they are efficient, dependable, professional, and are experts in the insurance adjusting field.

Choice makes it extremely easy on us to handle claims for our customers. Their estimates are fair, thorough, consistent, and they are fast to respond to any questions. Their reports are easy to read, and their photos depict the story of the claim. We are very proud of our partnership with Choice.

— SVP Claims of an A.M Best Rating “A+” Insurance Carrier

RAPID RESPONSE

CHOICE | FIELD SERVICES delivers daily claims adjusting and catastrophe response services for property and casualty carriers. We like to think of ourselves as technology agnostic while being flexible and nimble with the latest technology. Our resources are strategically located across all 50 states including Puerto Rico to support our clients ever changing needs.

WHAT CLIENTS ARE SAYING

What I always enjoyed and appreciated from Choice was the personal touch from a large firm. We benefited from your size, reach, and ability to obtain quality adjusters, but I always had a direct line to someone and what I asked for got done. Period. I didn’t have to go back and ask 2 or 3 more times like with the bigger firms. I never felt “lost” with Choice and always felt like I was their biggest and most important client.

– SVP of Claims A+ Rated Property and Casualty Carrier

FULL SERVICE CLAIM ADJUSTMENTS

Choice provides many customized property claims solutions. We offer individualized management of every client account. Every client is assigned a specific point of contact so that your individual needs are met and you know exactly who you will be speaking to upon contacting us.

National Network Coverage Includes:

CLAIM TRIAGE MODEL

When things go wrong CHOICE is ready to react with the greatest sense of urgency to make things whole again. By leveraging multiple service methods we can quickly move through our Triage Model to process your claims expeditiously and efficiently.

MANAGING RISK

CHOICE | TPA provides custom tailored risk management solutions from full outsourcing of claims to simple claim oversight, while understanding the business lines and functions for the clients we serve. Our goal is to simplify the claim management process while delivering optimal results.

WHAT CLIENTS ARE SAYING

We have had an excellent relationship with Choice TPA over the years and much appreciation for the significant value added through the retention of Choice as our third-party administrator. While some of Choice TPA clients may choose to take a less participatory role in claims management, we find that we achieve more expedient and cost-effective results by working together with Choice TPA as a team. Throughout our experience,

Choice TPA has been highly flexible in

this regard, working with us to establish an arrangement with a view to our interests.

– VP Deputy and General Counsel Risk Management Self Insured Client

TPA MANAGEMENT

CLARA™ is our unified TPA CLAIMS platform that ties insurance risk, safety, and compliance all together to deliver our clients an innovative cloud - based solution. Our TPA claims process with CLARA centralizes managing workflows, leveraging analytics, and engaging stakeholders while delivering the best claims experience that’s secure, fast, reliable, and scaleable.

WHAT CLIENTS ARE SAYING

I have had the distinct pleasure of working with Choice TPA on many occasions. Choice TPA not only has always been the consummate professional organization, but they are also always prepared, diligent, and dedicated. Choice has always been instrumental in facilitating the resolutions we have successfully achieved.

Choice TPA are truly experts in their field.

—

Attorney and General Counsel Risk Management Self-Insured Client

SOLUTIONS THAT SCALE

CHOICE | SECTOR has a core focus on providing and managing field resources in large scale catastrophe events. We develop customized federal and local government rebuilding programs for FEMA and Community Development Block Grant housing. Our services include damage assessments, quality control, and construction management.

SERVICES WITH RESULTS

Innovation, Commitment, and Well-Trained Resources.

Choice Sector provides professional personnel and management solutions for damage assessments, QA reviews, case management, and construction management. We do this in support of large-scale Community Development Block Grant (CDBG-DR, HMGP, HQS ) and other related government funded programs.

DAMAGE ASSESSMENT

At Choice Sector our inspectors, will perform a complete site inspection and evaluation of each applicant’s damaged property. This assessment of the property will include a SP recommendation for reconstruction or total loss evaluation, photographic and video documentation, required dimensions and graphical sketch, estimates with itemized scope of repair, visual mold investigation and visual environmental hazard assessment.

QUALITY CONTROL & ASSURANCE

As the disaster recovery program evolves the requirements of each estimate and other deliverables will require additional assessments, corrections and requested revisions. Quality Assurance and Xactimate Collaboration Services ensure that all documentation and estimates pertaining to the results of any property inspection remain in alignment with program requirements at the time of the request.

CONSTRUCTION MANAGEMENT

Construction management inspections provide program management with reliable restoration progress determination and validation of work completion. The inspection results serve as verification of work performed and the applicant’s state of recovery to date. This documentation provides the critical information to program management in the determination of approved funding distribution.

WHAT CLIENTS ARE SAYING

We’ve developed a great relationship with Choice Sector on multiple CDBG-DR state programs as a result of their consistent quality, efficiency, and reliability. They’ve been able to provide us with the specialized resources and scalability needed to meet our project demands through different phases and changing needs. I’ve always appreciated their willingness to quickly adapt to changes and their proactive approach to training their teams on updated procedures. While Disaster Recovery programs can last for several years, Choice maintains a partner style management approach to work through challenges, resolve issues, and implement solutions for overall success; the recovery funding for homeowners. Choice Sector has been a true asset partner and we look forward to a future together in the disaster recovery industry.”

— Multiple statewide government CDBG-DR long-term recovery Programs Manager.

QUALITY MANAGEMENT

MANAGING EXPECTATIONS AT EVERY STEP IN THE PROCESS

Guidelines & Metrics

First step in the process agree upon client guidelines and metrics.

System Compliance

Diary management is critical to triggering client KPI and guideline compliance - which are monitored by our adjusters and management.

Intelligent Dispatch

Assignments are dispatched to the field adjuster and internal point of contact with client guidelines attached.

Inspection & Damage Estimate

Adjuster will contact the insured, inspect the loss, prepare the estimate and submit to Choice Sector.

100% QC File Review

Upon receipt, all estimates and reports go through a comprehensive QC inspection by our internal team based on client metrics and guidelines.

No Revisions Necessary

Files are thoroughly reviewed by qualified QC team members and no necessary changes are required. Estimate package is then submitted to client.

Minor Revisons

File is thoroughly reviewed by account qualified QC. Necessary minor revisions can be collaborated in house. Collaboration is required on less than 10% of all files. Once complete, estimate is submitted to client.

Major Revisions

File is thoroughly reviewed by qualified QC. For required large changes to the loss file and estimate, the file is sent back to field adjuster for revisions. Once revised, it goes back into the QC process review.