Whether it's a day-to-day or catastrophe event, Allied American covers the full spectrum of the claim life cycle including all major perils. Whatever your loss, we offer continuous and complete claims management services from the initial investigation through settlement. Our goal it to provide you a consistent quality product that can be tailored to meet your company's specific processes needs. With an Internet-based approach, Allied American can present you with a paperless, real-time claim activity viewpoint. From management to final report, information is available anytime anywhere there is connectivity.
Daily Claims
Allied American's daily claims operation offers a wide range of multi-line, property and casualty adjusting services that can be tailored to your expectations. Our greatest strength is our flexibility. From a Third-Party Administrator (TPA) program, a Full Adjustment assignment, Appraisal, or a Partial Investigation, our trained and experienced staff handles every claim assignment, large or small, with the same professionalism you, your agents, and your insureds have come to expect and deserve.
Our seasoned staff of claims adjusters has many years of experience working within an insurance company environment. From policy processing, underwriting and claim operations, our team combines an understanding of your company's expectations with Allied American's ability to exceed them. Our adjusters are trained, experienced, graded and rated field adjusters who understand policies, building construction, scoping and estimating.
Allied American's claims management team is constantly streamlining processes and workflows; and controls, tracks, and reports performance utilizing CIMS, our real-time web-based, paperless claim information management system.
At Allied American our daily claims staff can respond to Homeowner and Commercial Property and Liability, Environmental, Automobile Property and Casualty, Inland and Ocean Marine, Products Liability, Business Interruption, NFIP, Beach and FAIR Plan policies. Allied has a dedicated Flood Claim Unit, experienced in handling claims in a single adjuster environment and the intricacies of handling claims within requirements of NFIP guidelines.
Catastrophic Event Claims
Allied American's strength and history is in its nationwide catastrophe claims services, responding to Homeowner and Commercial Property, Business Interruption, NFIP, Beach and FAIR Plan Wind policies.
The depth of the Allied American's cat management team manifests itself with the 2005 hurricane season in Florida, Mississippi, and Louisiana, when we simultaneously handled over 30,000 claims on three fronts utilizing 400+ adjusters in the field; and from the 2004 season over 20,000 claims and 175+adjusters.
Our cat experience extends beyond stand-alone wind and flood claims, to multi-causation wind/flood claims handled under the NFIP/ Beach Plan Single Adjuster Program (SAP) in several coastal states.
With a dedicated, core team of 125 Allied American trained adjusters located strategically throughout the United States, and a database of 400 more, we can tailor our services to fit your needs.
We operate through the Team concept, with a Client Liaison and Storm Manager. In addition, we adhere to a Team Lead/Examiner/Adjuster ratio averaging 15-1-1 depending on the nature and type of event. Our seasoned, professional staff brings years of claims and cat management experience to every cat operation. Our dedicated flood team is experienced in handling flood losses on a catastrophic scale.
Allied American utilizes its web-based software application, CIMS (Claims Information Management System) to manage its catastrophe claims tracking activity. Our adjusters are also required to manage their claims electronically from start to finish. Whether it's downloading their new claims or uploading their estimates and final reports for quality review and approval, CIMS is our major communication tool.
To further enhance our level of customer service, we have a mobile satellite communications trailer which provides the Allied American team with data and voice capability in areas of major devastation where infrastructure has been compromised.
Allied American does not utilize sub-vendor relationships to supply manpower and resources.
Dedicated Flood Unit
Allied American uniquely provides our clients a dedicated NFIP Claim Unit. The leadership team is grounded in the special processing challenges presented by this government operated program. All team members have working relationships within the NFIP community including WYO intra-company, governmental agencies and control, compliance, and general adjusting teams.
The unit is comprised of NFIP certified supervisors, examiners, and adjusters. Our experienced group understands the complexities addressing this distinctive policy. Our NFIP certified unit analyzes and applies coverage, limitations, exclusions and repair estimates effectively in a format the program demands.
The Flood Program at Allied American has expanded over the last few years resulting in a solid core of Flood Certified Adjusters. Allied American Adjusters are trained for multi-causation circumstances where they address and oversee complex and large loss claims. Additional preparation and training has been provided to our staff and contract adjusters to insure compliance with all flood adjusting guidelines.
Daily or Catastrophe, local or nationwide, single adjuster or multi peril; Allied American Adjusting Company delivers a standardized package that exceeds NFIP guidelines and WYO expectations.
Mediation/Appraisals
When it comes to mediation or the appraisal process, experience and understanding are a must during difficult or complex claim resolutions.
The ability to thoroughly investigate the facts and circumstances surrounding a disputed loss revolves around the complete and accurate understanding of the policy, its limitations, its settlement procedures, and interruption of policy language. Likewise, the ability and expertise to find mutually realistic and common ground takes professionals that have the confidence and past success to deliver agreed settlements.
Allied American's core team of Mediation experts bring years of policy claim experience, real life in the field, and negotiation experience including ongoing industry formal training.
Third Party Administration (TPA)
Allied American's claims management team-with its depth of industry experience in policy processing, underwriting and claim operations-is well versed in company, general agent, broker, and self-insured TPA needs. Our leadership team can develop a customized, cost-effective, claims management program to fit any requirements.
Our in-house Support Center can begin the process, taking first notice of loss (FNOL), providing both inbound and outbound contact with all parties-insureds, adjusters, and claim examiners.
Allied American's seasoned staff of claims adjuster's are trained, experienced, graded and rated field adjusters who understand policies and their coverage, building construction, scoping and estimating.
Our in-house examiner staff and team-led management ensure that policy and coverage, settlement, reporting and timeliness are all ahead of the curve, while Allied American's TPA claims management team controls, tracks, and reports performance utilizing CIMS, our real-time web-based, paperless claim information management system.
Our TPA program, like our day to day and catastrophe programs, is guided by the principals and ethics of the profession, with our firm commitment to service the client and their customers right… the first time, every time.
Audits
Without quality controls, not only can a company potentially lose millions of dollars in savings, but also sacrifice its reputation and image. Quality is a cornerstone in the Allied American organizational philosophy. It extends to our customer service center, our field staff, the in-house processing team and our leadership group. Consistency and quality is our commitment.
Our staff includes licensed agents, licensed field adjusters, underwriters and experienced insurance company individuals that understand policies and coverage. Allied American can provide a wide spectrum of reviews; and can track, report and make recommendations for improvements in areas where your organization has interests.
Underwriting/Risk Inspections
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) using XactValue software, and Mortgage Inspection Programs 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.
Subrogation & Recovery
Allied American's subrogation specialists provide the client with partial or full property subrogation outsourcing services. Our subrogation unit's sole purpose is to recover that which is rightfully yours. Through our state-of-the-art web-based technology, Allied American is constantly seeking innovative ways to increase your third-party recovery and the speed at which it takes place. With our Claims Information Management System, our clients can also gain secured direct access to your subrogation files, along with real-time management reports and recovery data. Subrogation recovery is a frustrating and time-consuming process. Let our specialists help you maximize your third-party recoveries with services and fees that are tailored to meet your needs.
Education and Training
Valuing education and training, our company is developing comprehensive adjustor training programs that are managed and administered by our Allied American Business Services Division. Beginning this spring, we had our first training classes for adjusters, ranging from adjuster 101 courses, examiner classes, and CSR/adjuster coordinator training. We will be developing and offering other custom classes based on adjuster's and customer's specific needs.
Claims Call Support Services
Allied American's professional Call Center CSR's are the human touch on the other side of your insured's phone call. No distribution trees offering barriers of selection, no electronic greetings or instructions, no messages, just real people answering your insured's questions.
Our Business Services Division provides Basic Call Center Functions for daily and catastrophe support of claims operations; fielding all inbound insured/client calls including loss reporting; making outbound notification calls to insured's, adjuster's, and client's. Our trained CSR's also provide initial data entry functions including claim set-up, journal notations, and quality reviews. After-hours and weekend call center services are also available.
Due to the increased demands and needs of our customers, we have expanded our call center services to allow for enhanced call functions and higher call volumes. In 2006 we also upgraded our telephone communication system in our regional offices as part of our business continuity plan.
Recognizing the critical importance of data and voice communication in the claims process, Allied American will continue to make the investment necessary to insure that we deliver on our promise to remain out front on the cutting edge of technology and customer service.
Field Re-inspections
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.
© 2006 All Rights Reserved. Allied American Inc. | Home | About Us | Claim Services | Business Services | Contact Us