Preparing claim files for a reinsurer audit week
A field checklist we use with HCMC claims teams the fortnight before auditors arrive.
Reinsurer auditors ask predictable questions: why this reserve, where is the recovery file, and who authorised the ex-gratia payment. The fortnight before their visit is too late to reconstruct missing emails, but it is enough to assemble coherent packs.
We help teams index each sampled file with a one-page cover: loss narrative, reserve history, key correspondence dates, and open actions. Interview briefing notes list who owns which answer so junior adjusters are not left improvising on recovery strategy.
The goal is calm clarity, not theatre. Auditors notice when packs are consistent; they also notice when packs suddenly look newly printed without substance. Our support stays inside what your manuals already require.