Building a reserve schedule committees will actually read
How we structure reserve recommendation tables so actuarial, finance, and claims leaders can argue from the same page.
A reserve schedule fails when it is either too granular or too abstract. Committees need claim identifiers, current case reserve, our recommended figure, the reason code, and the confidence note—nothing more on the primary sheet.
Reason codes stay short: liability unsettled, quantum incomplete, recovery pending, fraud indicator, or litigation timeline. Each code points to a short narrative appendix rather than burying argument in the table. That keeps the meeting focused on decisions, not archaeology.
We also separate advisory recommendations from booked reserves. Brookbase never posts changes into your claims system; the schedule is a working paper for your reserving committee. Clear ownership language avoids confusion when auditors later ask who moved a number.