Total Claims Solutions

Total Claims Solutions (TCS)

B&H collaborates with your Company to deliver an integrated set of claims services based on your specific needs.  B&H can handle the FNOL through the life of the claim through TCS.

This single source will allow your Company to select from services ranging from FNOL through the life of the claim.  TCS was designed to work within your Company’s system but potentially offer greater efficiency.  Obviously it is your Company’s choice but our solutions are worth looking at.

Claims Adjusting

Our leadership at B&H Claims Service has over 50 years of Catastrophe adjusting and Large Loss experience. We have worked tens of thousands of catastrophe claims beginning with Hurricane Alicia in 1983. Other notable events in which we were involved include the Northridge Earthquake, Cinco de Mayo Hailstorm, Los Alamos Fire, St Paul/Minneapolis Hailstorm, and all hurricanes from Hurricane Andrew through Hurricane Sandy.

Our Roster is over 3,000 adjusters strong, with a Core Team of over 100 adjusters with representation in every major catastrophic event.  We have built our reputation providing the most qualified management staff and group of independent adjusters in the industry.

Our adjusters maintain licensing as well as industry and insurer-specific certifications. Our adjusters go above and beyond basic skills and licensing, which means lower claims resolution times and higher insured satisfaction for your company.

We provide same day contact on claims assigned to us with the shortest cycle time in the industry.

First Notice of Loss (FNOL)

We have partnered with a company whose area of expertise is call centers and customer support.  We have researched and reviewed many call center companies.  Our call center’s trained staff is already in place rather than other companies that go to a temp agency that hires inexperienced insurance people when there is spike in calls.  Consider choosing our business model for this service.

Fast Track Claims

Our FNOL Company can screen the claims coming in and determine their severity.  At that point it might be more efficient to handle the less severe losses over the phone.  Maybe your Company already does this or perhaps B&H can offer additional adjusters to help with these claims.

Catastrophe Services

This is an area of expertise that B&H has specialized in since 1983.  We have a loyal core group of catastrophe adjusters that is unsurpassed in our industry.  We can respond within 24 hours.  We focus on providing our services to a few Companies rather than compromising our standards.

Quality Control

We review files based on parameters that we established with your Company.  We want to provide a product that your Company wants, not what we think you want.  We only utilize file reviewers that have worked many years in the field.  We will re-inspect as necessary but have a complete re-inspection team that your Company can hire independently.

Daily Claims

With adjusters located throughout the United States, we are prepared to handle your everyday claims needs.  We have teams of adjusters who specialize in large commercial and business interruption claims.   We also have adjusters who specialize in flood, earthquake and environmental claims.  In summary, our claims specialization includes:

• Homeowners Claims
• Catastrophe Claims
• Environmental Claims
• Mold Claims
• Flood Insurance Claims
• Large Commercial and Business Interruption Claims
• Liability Claims

Liability Claims

B&H Claims Service, Inc. offers liability claims management services for a broad spectrum of standard casualty insurance products, including general liability, automobile liability, product liability, professional liability, and medical malpractice.

BENEFITS:

• Inspection services throughout the  US
• Internal center specializing in quick resolution of routine premises-operations claims
• Special Investigation Unit (SIU) to deal with suspected insurance fraud
• Automobile, truck, and heavy equipment appraisal services facility specializing in physical damage management
• National catastrophe team
• Offices specializing in the handling of construction claims
• Factual investigations — our plan of action is based on best practices, then tailored to the specific requirements of your Company
• Damage investigation — we carefully examine the injury or property damage to determine how to proceed to evaluation and negotiation or denial
• Evaluation — we recognize the importance of evaluating every aspect of the claim and establishing a dollar value for settlement.

Workers Compensation

B&H has partnered with one of the premier workers compensation firms in the country.  They offer consulting services, medical claims management and disability claims management.  If you should want to explore potential savings in these areas, please call us and we will link you directly to them.

General Adjuster Group

In large, complex commercial and residential losses, experience and communication is crucial in maintaining control of the loss and providing top quality customer service.  B&H has established an industry-leading network of credentialed GA / Large Loss adjusters to provide the extra experience necessary to properly handle large claims; both commercial and residential.

B&H has taken the guesswork out of finding a true GA level adjuster.  Because no official certification exists today, B&H establishes guidelines for experience, education and references for all adjusters in our network.  This was done by a GA for our GA’s.  This assures you of consistent service delivery in all areas of the country.  We can further credential our network based on your customized requirements to assure your protocols and goals are met on every claim.  Bios and resumes are provided, allowing you to see, in advance, the quality and experience of your Large Loss network.

• Customized network based on your needs
• Credentialed adjusters
• GA Qualified based on your pre-established sets of criteria
• Commercial and residential qualified

Audit Services

We have the capabilities of providing your company audit services in any form required and at competitive rates.  This service is led by a retired Sr. V-P of a large insurance company and again can be custom tailored to your company’s needs.

We can also handle insurance commissioner complaints which will remove that problem from your calendar.

We have developed a claims related audit program that will allow you to have your general agents or TPA’s, audited in an efficient and cost effective manner. We are positioned to help you with your audit and / or claims management requirements in any territory of the USA and on most classes of non-marine business. We have an experienced team who can assist you in meeting your compliance objectives.

Some of the core areas reviewed are:

• Timeliness of reporting, reserving, investigations and settlement of claims
• Frequency of claim review
• Selection, monitoring and management of third party experts
• Coverage analysis
• Bordereau Management
• Accuracy of reserving
• Pursuit of Recoveries where appropriate
• Quality of customer (policyholder) service
• Procedures for proactive claims management
• Systems
• Compliance with Statute contract
• Compliance with your Claims Procedures
• Breaches in terms of delegated contract
• Open caseloads by adjuster
• Involvement of senior staff in claims process where appropriate
• Access to and familiarity of agreements by staff

 

B&H Claims Service will initially have a meeting with you to get your specific instructions and report format requirements as we will provide the report to you in the format of your choice. Following the initial meeting we will send a detailed questionnaire to the Policyholder or TPA being audited to gather as much information as possible before the audit commences. This allows B&H Claims to review procedures and all the key areas of claims management before we arrive on site.

Flood Claims

We have a small core group of adjusters whose specialty is flood claims.  This group is led and managed by a former FEMA General Adjuster who also has worked as a GA for many years in the insurance industry.  Again, our focus here is on quality which is all that we will produce