Manage claims from the Claims module.

Preliminary Work

  1. Gather adjuster or adjusting company contact information
  2. Compile list of perils

Key Decisions

  • Will reinsurance be tracked within or separately from BriteCore?
  • Will you use ISO perils?
  • Will agents have access to claim accounting (reserves and payments)?
  • Will you track historical claims in BriteCore?
  • Will you have more than one claim supervisor tracking claims?
  • Will you send a Loss Notice and a copy of the Declaration to an adjuster?
  • Will you want claim's adjusters accessing claims within BriteCore?
  • Will reports and photos be uploaded to their designated sections on the Information tab or to the Attachments tab?

Core Concepts

Coverage Filed Against

The coverage(s) against which a claim is filed.

Reserves and payments are broken into three distinct categories: loss, adjusting, and legal. The three categories apply to every coverage filed against.

Reserve It Before You Pay It

To make a payment against a coverage filed against, a reserve must be set.

Accounting Tab

Overview (Reserves)

  • View total and remaining reserves
  • Set loss, adjusting, and legal reserves by coverage filed against
  • Set recovery reserves

Losses Incurred (Coverage Math)

  • The math from coverage reserves and payments
  • View transaction details

Recovery History (Recovery Math)

  • The math from recovery reserves and receivables
  • View transaction details

Transactions (Payments)

  • Enter claim and recovery transactions
  • View transaction details

Losses Incurred Transactions

The blue wording in the image below provides a brief summary of each section of a transaction within the Losses Incurred box.

Emails

Emails are sent by BriteCore or by a user, the latter of which are sent from Claims > Processing > Pending Emails.

Property or Liability

BriteCore will designate a claim as either Property or Liability, which is most important for vendor integrations.

Claim Statuses

Status Purpose
Open, Standard Default status when working a claim
Generates the Claim Acknowledgement Letter
Open, Subrogation Indicates subrogation recovery is expected
Open, Salvage Indicates salvage recovery is expected
Open, Reinsurance Recovery Indicates reinsurance recovery is expected
Open, Reinsurer Notified Indicates the reinsurer has been notified
Open, Litigation Indicates a suit in progress
Reopened, Standard Default status when reopening a claim
Reopened, Subrogation Indicates subrogation recovery is expected
Reopened, Salvage Indicates salvage recovery is expected
Reopened, Reinsurance Recovery Indicates reinsurance recovery is expected
Reopened, Litigation Indicates a suit in progress
Closed, Denied Indicates claim was denied
All reserves zeroed out
Closed, Paid Indicates claim was paid
All reserves zeroed out
Closed, Without Pay Indicates claim was below deductible
All reserves zeroed out
Closed, Reinsurance Recovery Indicates claim had reinsurance recoveries
All reserves zeroed out
Archive, Record Only Indicates claim was converted from legacy system
Pending, Submitted Indicates claim was submitted by agent and awaits processing
Historical, Reporting Only Indicates claim was converted from legacy system but is still being processed
Uncommitted Indicates agent started, but has yet to submit, the claim

BriteCore Setup

Contacts Module

  • Add the claim bank account to the primary carrier’s contact in the Contacts module. Only the last four digits on the account number will display when making a claim payment. Adding the bank information is optional
  • Add an individual adjuster(s) or adjustment company(ies)
    • If you’d like for an adjuster or company to receive notifications via email, add an email address with a work designation to each contact
    • Assign the appropriate permission level, depending upon whether you want adjusters to access the Administrative Portal. For more information, see the contact documentation

Settings

Deliverables

  • If desired, set up the Claim Acknowledgement Letter, which is typically used as a courtesy to the insured and agent rather than the mandate to contact a claimant within a given timeframe. Learn more about the Claim Acknowledgment Letter
  • Set up the Loss Notice, which is intended for adjusters and can be emailed
    1. Navigate to Settings > Deliverables
    2. Locate the Loss Notice
    3. Click the pencil
    4. Check the Send the most recent version of the Declarations page in relation to the loss date of the claim box, if desired
    5. Click Preview to view the default setup. Using Jinja and HTML, update the notice as desired

Database

Claim Private Subfolders

Whenever a claim is created, a Private folder is also created. With this setting, a user can define subfolders that are also created with each new claim. For example, with every new claim you may want folders entitled Reports and Correspondence. Since these subfolders are created within the Private, locked folder these subfolders will also be locked and therefore not viewable by agents.

  1. Determine the names of the claim's subfolders you would like created with each new claim
  2. Submit a ticket to IWS with the folder names and the order in which you would like the subfolders to appear on the screen
  3. (IWS only) Navigate to Settings > Advanced
    1. Search for claim_private_subfolders
    2. Enter the folder names in the order they should appear on the screen and separated by a comma. For example, Reports, Correspondence

Show Unsubmitted Claims

Claim staff may not want to have knowledge of unsubmitted claims until those claims are submitted by an agent, which is BriteCore's default behavior. To make unsubmitted claims searchable to claims staff within the Administrative Portal (IWS only)

  1. Contact IWS
  2. Navigate to Settings > Advanced
  3. Search for unsubmitted_claim_search
  4. Select True

Payment Options

For claim payments, the default fields are the Payee(s) and how the contact will be displayed on the claim check. This setting, when enabled, allows additional information to be captured when entering claim payments, including a separate address for the payor and a memo line. To enable this setting, complete the following steps:

  1. Run
    SELECT * FROM settings WHERE option = 'payment-options'
  2. When entering a claim payment, a payor is selected. The address that pulls is the address that already exists in BriteCore for that contact. To allow users to enter a new address while making the claim payment, set "showAddress": true. When a new address is entered, it will be added as an Other address for the contact in the Contacts module
  3. When entering a claim payment, set "showMemo": true to allow for memo comments and set a maximum length using "maxMemoLength"

Important notes

  • A maximum memo length of 0 is essentially an unlimited length. To enforce an actual character length, set the value to greater than 0
  • Memo comments do not appear on the interface. The comments are stored with the individual transaction in claim_transactions.memo. In this way, the memo content can be exported to a supported general ledger

Dual Masthead Claims

To remove the This claim is a Dual Masthead claim checkbox from Claims > Information > Options, run

#UPDATE settings SET value=1 WHERE option='limit_dual_masthead_visibility'

Auto Assign Date Assigned

When enabled, today's date is automatically added to the Date Assigned field of the Dates section when a staff member or agent creates the claim. To enable, run

#UPDATE settings SET value=1 WHERE option = 'auto-assign-date-assigned'

Auto Assign Date Reported

When enabled, today's date is automatically added to the Date Reported field of the Dates section when a staff member or agent creates the claim. To enable, run

#UPDATE settings SET value=1 WHERE option = 'auto-assign-date-reported'

Require Claim Addtl Info

When enabled, the agent will be required to add information to the Additional Information box when filing a first notice of loss from the Agent Portal. To enable, run

#UPDATE settings SET value=1 WHERE option = 'require-claim-addtl-info'

Settings > Modules > Claims > Options

Disable Claims Emails

When checked, disables all automatic emails sent by BriteCore.

Allow Historical Claims

See the Track Historical Claims how-to below.

Track Major/Minor Claims

This setting is specific to a single carrier and is not recommended for use by the broader client community. Engineers may read PR 3898 for more information.

Settings > Modules > Claims > Claim Numbers

Set a prefix and suffix for claim numbers.

Settings > Modules > Claims > Assign Adjusters

This feature is under construction.

Associate a specific adjuster to a county. When associated, the adjuster will be automatically added to the claim. If no adjuster is defined, the claim's staff must add an adjuster to the claim during processing.

Settings > System Wide > Administrative Alerts

Loss Report/Photos Uploaded or Deleted

An email is sent when a user in the BriteCore Administrative Portal uploads a file to the Reports or Photos section of the claim's Information tab. The user could either be a claim's staff member or an in-house or indepdendent claim's adjuster. For an example, see the emailing section below.

Agent Claim Submitted

An email is sent when an agent submits a claim from BriteCore's Agent Portal. For an example, see the emailing section below.

Claims Module

Navigate to Claims > Components.

Perils

Enter your perils.

All reports use the peril name so assigning a number would be for internal purposes only. If you use ISO APLUS as a vendor, please reference the ISO setup documentation.

Peril Groups

Retired.

Catastrophe

Entering a CAT is necessary only when one occurs. See the Add a CAT how-to below.

Reinsurance

BriteCore reports on reinsurance reserves (Reinsurance Reserves report) and reinsurance payments (Reinsurance Received/Recovered report) but will not track reserves/payments in relation to your reinsurance contract. For more advanced tracking, create a custom BriteData report.

Tracking Per Risk Excess of Loss Reinsurance Contracts

This feature enables the Monitored for Reinsurance functionality.

Add Your Reinsurance Company

  1. Navigate to the Contacts module
  2. Click New Organization
  3. Add your reinsurer's name
  4. Click Add a Role
  5. Select Reinsurer
  6. If desired, add your reinsurer's address, phone, email, website, background information, or dates to remember
  7. Click Done

Setup the Reinsurance Contract

  1. Navigate to Claims > Components > Reinsurance
  2. Click +
  3. Enter the Contract ID and Contract Description
  4. For Reinsurance Type, select Per Risk XL
  5. Enter your Losses Incurred Threshold, which must correlate directly with the retention for the individual reinsurance contract. This amount will be used in calculations for individual claims when determining email notification
    This field uses > logic; if the threshold is set to $25,000 an email will be sent only for losses incurred $25,000.01 or greater
  6. Complete the remainder of the form. All input is saved automatically; there is no save button

Amend the Notice of Property Reinsurance Loss, if Applicable

Clients who must provide information to the reinsurer can use the Notice of Property Reinsurance Loss custom deliverable. Those with experience using HTML/CSS/Jinja templates may amend the notice as needed:

  1. Navigate to Settings > Deliverables > Notice of Property Reinsurance Loss
  2. Click the pencil
  3. Edit as desired
  4. Click Save

Setup the Alert

  1. Navigate to Settings > System Wide > Administrative Alerts > Claims > Reinsurance Per Risk XL Threshold Reached
  2. Enter an email address(es)
  3. Click Save

Processing

See the reinsurance monitoring workflow below.

FAQs

Must the Notice of Property Reinsurance Loss deliverable be used?
No, the deliverable does not have to be used to receive the email notifications.

Does the Notice of Property Reinsurance Loss deliverable generate automatically?
No, a user must generate it using the Custom Deliverable button on the screen.

When is an email sent?
If a claim's Monitored for Reinsurance checkbox is selected, an email is sent once the losses incurred exceeds the defined limit of the reinsurance contract. After that, an email is sent every time the losses incurred or claim status changes.

How do I stop receiving emails for a specific change?
Uncheck the Monitored for Reinsurance checkbox on that claim.


BriteCore Processing

Claims Workflow

Click on the image below to open in a new window. Access the raw file here.

Reinsurance Monitoring

Click on the image below to open in a new window. Access the raw file here.

Emailing

For claim emails to function, the following setup options must be fulfilled:

  • The agent must accept documents electronically and select a valid email address from the Direct Claim Activity To drop-down list (Contacts module)
    • Additional email addresses may be added in the Also CC textbox
      • Separate emails by a comma
      • Click Save to save the data
        If an email is not specified in the Direct Claim Activity To drop-down list, an email will not be sent, regardless of additional emails in the Also CC textbox
  • The adjuster must have a valid email address and the role of adjuster (Contacts module)
  • The claim's supervisor must have a valid email address and the role of claim's supervisor
  • All email addresses must be designated as work (Contacts module)
  • Agents/Agencies must select a valid email address from the Direct Claim Activity To drop-down list (Contacts Module)
    • Additional email addresses may be added in the Also CC textbox
      • Separate emails by a comma
      • Click Save to save the data
        If an email is not specified in the Direct Claim Activity To drop-down list, an email will not be sent, regardless of additional emails in the Also CC textbox
  • The Disable Claims Emails setting must be unchecked (Settings module)
  • Recipients are added to applicable Settings > System Wide > Administrative Alerts > Claims

Automatic Emails Sent by BriteCore

Agent Claim Submitted

When an agent submits a claim the below email is sent to designated recipients of this Administrative Alert in Settings > System Wide > Administrative Alerts > Claims:

[carrier name] - New Claim 20-2016-1 Submitted for Policy 10-2016-1 for Insured: [primary named insured]

Notice: Claim number 20-2016-1 has been submitted for Policy 10-2016-1 for Insured: [primary named insured]

Claim Status Changed

When the claim status is changed the below email is sent to an agent, adjuster, and claims supervisor.

Two database settings exist that, when enabled, restrict the claim status change emails from being sent to either adjusters or claim supervisors:

  • settings.option=suppress_claim_status_adjuster_email
  • settings.option=suppress_claim_status_supervisor_email

[carrier name] - Claim 10-2015-1 Status Changed for Policy 10-2015-1 for Insured: [primary named insured]

Notice: Claim number 20-2015-1’s status has been changed from Open, Standard to Open, Reinsurance Recovery for Policy 10-2016-1 for the Insured: [primary named insured]

Adjuster or Claim Supervisor Added to Claim
When an adjuster is added to or removed from a claim, the below emails can be sent to the adjuster, claim supervisor, and agent.

Adjuster and Claim Supervisor Email
For claims supervisors, the below setting must be enabled. To enable the setting, run

#UPDATE settings SET value=1 WHERE option='claims_email_adjuster_supervisor_when_added'

You have been added to Claim 20-2016-1 for Policy 10-2016-1 for Insured: [primary named insured]

Notice: [claim adjuster/supervisor name], you have been assigned as a claims adjuster for claim number 20-2015-1 for Policy 10-2015-1 for the Insured: [primary named insured]

Agent Email [carrier name] - Claims Adjuster [adjuster name] has been added to Claim 10-2016-1 for Policy 10-2015-1 for Insured: [primary named insured]

Notice: [adjuster name] has been assigned as the claims adjuster for claim number 20-2016-1 for Policy 10-2016-1 for the Insured: [primary named insured].

Loss Report/Photos Uploaded or Deleted
When a user in the BriteCore Administrative Portal uploads a file to the Reports or Photos section of the claim's Information tab, the below email is sent to the Administrative Alert recipients in Settings > System Wide > Administrative Alerts > Claims. The user could either be a claim's staff member or an in-house or independent claim's adjuster. The loss report will be attached as a PDF to the loss report email.

Loss Report Uploaded
Notice: A loss report for claim number 20-2016-1 has been uploaded. See attached.

Photos Uploaded
Notice: Photos for claim number 20-2016-1 have been uploaded.

Emails Sent by a User

Emails can be generated one of three ways:

  • On an individual claim via the Custom Deliverables button and sent from Claims > Processing
  • On an individual claim when claim status is set to Open, Standard for the first time, which generates the Claim Acknowledgment Letter and is sent from Claims > Processing
  • On an individual claim using the Email Information Related to Claim button

Loss Notice

When an adjuster or claims supervisor is attached to the claim prior to generating the deliverable and the deliverable is built in Settings > Deliverables with the Insured checkbox selected, he/she will receive the below email with the Loss Notice attached as a PDF. The Insured checkbox is not required to be checked but is recommended to indicate the deliverable is being used:

[carrier name] - Loss Notice for Claim 10-2015-1 for Insured: [primary named insured]
Notice: Loss Notice was sent for claim 20-2015-1 for the Insured: [primary named insured] on 01-01-2016 12:00:00.
This is an automated message sent by the BriteCore system. If you have received this message on accident, please disregard.

Claim Acknowledgment Letter

When the deliverable is built in Settings > Deliverables and the agent is selected as the recipient for the deliverable, he/she will receive the below email with the Claim Acknowledgement Letter attached as a PDF:

[carrier name] - Claim Acknowledgment Letter for Claim 10-2015-1 for Insured: [primary named insured]
Claim Acknowledgment Letter was sent for claim 20-2015-1 for the Insured: [primary named insured] on 01-01-2016 12:00:00.
This is an automated message sent by the BriteCore system. If you have received this message on accident, please disregard.

Notice of Property Reinsurance Loss

When the losses incurred of a claim surpass the defined threshold, the below email is sent to Administrative Alert recipients in Settings > System Wide > Administrative Alerts > Claims:

Attention Required - Changes to Claim
Claim 20-2017-1 is being monitored for reinsurance purposes. Changes have been made to the claim that may need to be reviewed. Please visit the Notes tab for this claim to review the recent changes.
If you would like to stop receiving notifications, please uncheck the "Monitored for Reinsurance" checkbox located on the claim under the Information > Options section.

Email Information Related to Claim Button

  • An email can be sent directly from an individual claim at any time using the Email Information Related to Claim button
  • The email can be sent to multiple recipients
  • The email can include multiple attachments but attachments are not required
  • The subject of the email defaults to the claim number and can be amended
  • If the sender has multiple emails on file in the Contacts module, he/she can choose which one to use as the sender and reply to. Users should verify their email address in the Contacts module prior to using this feature
  • The emails are sent immediately
  • A note is written when the email is sent
  • Sent emails do not show in the Claims > Processing. To research an email, a user must know information about the claim from which the email was sent
  • This feature is not a setting and is therefore available to all
  • Presently there are no permissions around this feature, which means any staff member who works with policies can send an email

Summary

The below table summarizes the triggers for, and recipients of, claim emails. The order of triggers is the approximate order in which the emails would be sent when processing a claim.

Trigger Recipient(s)
Claim submitted Administrative alert recipients
Claim status changed Agent, adjuster and/or claim supervisor
Adjuster or claim supervisor added to claim Agent, adjuster and/or claim supervisor
Loss report or photos uploaded or deleted Administrative alert recipients
Generation of Loss Notice Adjuster and/or claim supervisor
Generation of Claim Acknowledgment Letter Agent
Losses incurred surpasses reinsurance loss threshold Administrative alert recipients
Click email information related to claim button Whomever the user designates

How-Tos

Claim Basics

Claim Payments

Special Claim Reporting

Access a Claim

  1. Navigate to the Claims module
  2. Access the claim using the claim search
    Click the Help link in the claim search to view all the ways to search for a claim
  3. Use the Filter By dropdown to search for claims of a specific status

Review the Claim Designation

A claim can be designated as property or liability.

View

  1. Navigate to the claim
  2. Locate the claim Status section
  3. The designation will appear under the claim status

Update

  1. Click Edit
  2. Check Set the type of this claim manually
  3. Review or update the designation
  4. Click Done

Set and Change a Reserve

  1. Navigate to the Accounting tab of the claim
  2. Click the Overview box
  3. Locate the correct coverage
  4. Identify the correct reserve category (loss, adjusting, or legal)
  5. Enter the amount you want the reserve to be

Example 1

  • A reserve is currently $0
  • It should be $5,000
  • Enter $5000

Example 2

  • A reserve is currently $5,000
  • It should be $7,500
  • Enter $7,500

You may be tempted to enter $2,500 as you are increasing the reserve by that amount. Enter the amount you want the reserve to be, in this case $7,500, as BriteCore will calculate the $2,500 difference for you.

Example 3

  • A reserve is currently $7,500
  • It should be $3,500
  • Enter $3,500

You may be tempted to enter -$4,000 as you are decreasing the reserve by that amount. Enter the amount you want the reserve to be, in this case $3,500, as BriteCore will calculate the $4,000 difference for you.

Ensure an Agent Does Not See a Folder or File

Any folder or file with the lock symbol is hidden from the agent.

Lock a Folder

  1. Create a new folder, or if the folder exists, click anywhere on the folder's row except on the folder's name. The row will highlight and a menu will appear
  2. Click Privacy
  3. Click Yes. A lock will appear next to the folder. If the folder has files, the files will also lock

Lock a File

  1. Upload the file to the Attachments tab of the claim or locate an already-uploaded file
  2. Click anywhere on the file's row except on the file's name. The row will highlight and a menu will appear
  3. Click Privacy
  4. Click Yes. A lock will appear next to the file

Add a Cat

Setup

  1. Navigate to Claims > Components > Catastrophes
  2. Click +
  3. Complete the Catastrophe popup
  4. Click Done
  5. Navigate to the individual claim and attach the catastrophe on the Information tab of the claim. Once added, the perils associated with the Catastrophe will be added automatically to the claim

FAQ

A CAT is setup with specific perils then attached to a claim. If the CAT peril is changed, do the perils update on the claim as well?
No.

If a CAT is setup and I add a claim with a loss date that falls within the identified CAT dates, does BriteCore automatically assign the CAT to the claim?
If the loss date falls within the CAT date, a popup will generate asking the user to associate the CAT to the claim. The popup will generate in the Administrative Portal only; agents will not be prompted to associate the CAT. Once a claim is submitted by an agent, though, an Administrative Portal user can attach the CAT in the applicable claim section.

Make a Claim Payment

  1. Navigate to the Accounting tab of the claim
  2. Click the Transactions box
  3. Optional: You can track deductibles by claim payment via the Deductible Applied input. The data entered in this field is stored with the individual payment. It is for information purposes only and neither impacts reports nor payments and reserves
  4. Enter the amount of the payment into the appropriate loss, adjusting, or legal box
    Payments cannot exceed the reserved amount
  5. Select a Payee, which is selected from the contacts on the claim. If applicable, add additional payees and amend the Displayed on the check field
  6. Click Done

Export a Claim Payment

Navigate to Claims > Processing > Pending Payments. This is the central queue for all claim payments. Complete the steps applicable to your vendor:

  • With StoneRiver or Microsoft Dynamics integration, a file will generate automatically overnight and appear in Reports > Attachments
  • With QuickBooks integration, run the web connector
  • Otherwise, manually issue the check from your general ledger
    • Check the box in the Actions column
    • Click Process Selected Pending Payments

Void a Claim Payment

Steps

  1. Ensure the claim is not closed; if closed, change the status to Reopened
  2. Navigate to the Accounting tab of the claim
  3. Click the Transactions box
  4. Locate the payment in the Payments section
  5. Click the X

Result

Transactions Box

  • The red line will appear across the payment
  • Click the gray arrow next to the payment
    • A voided date will appear as Voided on MM/DD/YYYY
  • The Total for payments will subtract the voided amount

Losses Incurred Box

  • A new row will be written subtracting the payment amount from Losses Paid and adding the payment amount back to the reserve in the Change in Reserve column
  • The Totals row for the Losses Paid and Change in Reserve columns update accordingly

Overview box

  • Locate the coverage to which the payment was applied
    • The amount of the payment will be added back to the Reserve column and subtracted from the Paid to Date column
    • The Subtotal row for the Reserve and Paid to Date columns update accordingly

Reports

  • In the Claims Payments report, a separate row is created for the voided claim payment that shows the voided amount as a negative in the appropriate loss type column (loss, adjusting, or legal). Additionally, a Voided column will indicate whether the payment was voided
  • Losses Incurred and Premium Earned to Losses Incurred update accordingly

Track Historical Claims

When conversion onto BriteCore is complete, you may have claims that need additional processing. The historical claim functionality allows staff to process ongoing claims.

All historical policy and claim data entry errors must be corrected in the database. Submit an OOPS! ticket to IWS for any corrections.

Setting

  1. Navigate to Settings > Modules > Claims
  2. Check Allow Historical Claims
  3. Click Save

Policy

  1. Create a new policy
  2. Reuse the original policy number, if possible
  3. Set the effective date to no earlier than your first lines effective date
  4. Select the most appropriate policy type
  5. Set the policy status to Historical

Claim

  1. Create a new claim
  2. Reuse the original claim number, if possible
  3. Attach the historical policy
  4. Update the claim’s status to Historical, Reporting Only
  5. Add claim information such as the property address and contacts
  6. Navigate to the Accounting tab. You may enter historical data or transactions point forward. If you prefer to enter all historical transactions, those transactions must be entered sequentially
    • Use the Overview box for reserves and Transactions box for payments
    • Change the Transaction Date and add the reserve and payment data. To replicate the chronological history, you will need to alternate between entering reserves in the Overview box and payments in the Transactions box. This is because transactions must be entered sequentially
  7. When applicable, close the claim as you would a standard filing

Reporting

  • Historical policies and claims are reported in the Historical Claims report
  • To include the claim information in standard claim reports, change the claim status to something other than Historical, Reporting Only
  • To exclude historical claim data from the Agency Experience report specifically, submit an OOPS! ticket to IWS, who will run
    UPDATE settings SET value=1 WHERE option='agency-experience-include-historical-claims'

Vendors

Any claim with the status of Historical is not reported to ISO APLUS.

Track Dual Masthead Claims

When processing a claim, check the This claim is a Dual Masthead claim checkbox. To hide the checkbox, see the BriteCore Setup above.

Dual masthead claims are excluded from ISO APLUS and MCAS reporting.

Generate a Notice of Property Reinsurance Loss

  1. Navigate to the Claims module
  2. Access the claim
  3. Click Custom Deliverable
  4. Select Notice of Property Reinsurance Loss
  5. Click Done
  6. A Required Input popup will generate
  7. Ensure the prepopulated information is accurate
  8. Locate the Notice Type field, which is prepopulated with four choices
  9. Delete the options from the field that do not apply for this particular notification. For example, if this notice the final proof then delete all text but Final Proof
  10. Locate the Is subrogation or salvage expected? field, which is prepopulated with No
  11. Leave No or replace with Yes
  12. Click OK
  13. Navigate to the Attachments tab
  14. Access the notice
  15. Send the notice to the reinsurer by mail or email. BriteCore does not automatically email this deliverable to the reinsurer

FAQs

Does BriteCore automatically set reserves?
Not presently.

Can I add or remove a Coverage Filed Against?

  1. Ensure the claim status is not Closed. If closed, reopen the claim
  2. Zero out all reserves for the applicable coverage
    • If a Coverage Filed Against has a payment, it cannot be removed

How do I correct data on a historical claim?
Submit an OOPS! ticket to IWS with the corrected information.

Can an adjuster upload data from the Agent Portal?
Not presently.

If a claim is closed, how do I add more payments?

  1. Change the claim status to Reopened, Standard
  2. Set the appropriate reserve
  3. Enter the payment
  4. Change the claim status to Closed, Paid

If a claim is closed, must I reopen it to add additional notes or attachments?
Notes and attachments may be added without reopening the claim.

Can I change what appears on the Loss Notice?
Yes, using HTML/CSS the deliverable can be amended in Settings > Deliverables.

Can the agent view the Loss Notice in the Agent Portal?
This depends on the Only display printed deliverables in Policies and Claims 'Documents' page setting. If enabled, the agent cannot see the Loss Notice deliverable but can see the folder. To disallow the agent from viewing the folder as well, lock the Loss Notice folder on the claim in the Administrative Portal.

Why doesn't the Loss Notice appear in the Processing queue to be emailed?
In the Contacts module, ensure the adjuster has an email address designed as work then regenerate the Loss Notice from the claim.

How does my view and the agent’s view compare?
The best way to get a sense for this is to open two browsers (e.g., Chrome and FireFox). In one, login as an agent and in the other, login as a staff member. Compare the screens.

If I attach agents to policies (not supported for newer clients), can an agent file a claim against a policy for another agent in the same agency?
Agents may only initiate claims against policies with which they are associated. An agent may not initiate a claim for another agent. However, once the agent of record creates the claim, another agent within the agency or a user with the agency login may complete and submit it to the carrier.

Does BriteCore email any other documents (e.g. an adjuster’s invoice) besides the Loss Notice to an adjuster?
The most recent copy of the Declaration can be emailed with the Loss Notice; otherwise, no other documents are presently emailed to adjusters.

If a document is uploaded to the Attachments tab of a claim will the system email the document if the print state is changed to Email, but Do Not Print?
Only certain deliverables are emailed by the system, see the Emails Sent By User section above. Other documents will not be emailed, even if the print state is changed.

Does the Recovery Reserve update automatically?
The Recovery Reserve denotes what you expect to recover from the reinsurer. You may need to update the reserve when you make additional claim payments as doing so will change the amount you expect to recover. Once you receive a payment from a reinsurer, though, you can enter it into the Transactions > Recoveries section (right below where you enter claim payments on the claim). By doing that, the reinsurance reserves will update automatically.

Is the Notice of Property Reinsurance Loss the only way to track in the recovery history when payments are received from the reinsurer?
The Notice of Property Reinsurance Loss is the only deliverable. However, you can also track the reinsurance in the following ways:

  • On the Accounting tab of the claim reference the Recovery History box, which will display the recovery history (reserves and receivables)
  • Use the Reinsurance Received/Recovered and Reinsurance Reserves reports in the Reports module

Can the status of a claim be changed from Open, Standard to Open, Reinsurance Recovery if the adjuster and insured have been paid in full and the only remaining action is to receive the final reinsurance payment(s)?
Yes.

Can notes be printed?

  • For a section of notes, use your computer's print screen option
  • For the entire history, submit an OOPS! ticket to IWS

Other than the Claim Acknowledgment Letter and Loss Notice, do custom claim deliverables print or get emailed?
At this time, all custom claim deliverables that are created default to do not print and are not emailed. This is true regardless of Claims module settings and changing the print state of the deliverable. For example, changing the print state to Email, but Do Not Print will not cause the deliverable to be emailed. Learn more about the Claim Acknowledgement Letter.

Are there authority levels for setting loss reserves or making loss payments?
Not presently.

Is there a character limit for the Displayed on the check input when making a claim payment?
Yes, the limit is 100 characters.

Can an agent file a claim from the Agent Portal against a canceled policy?
No.

Can staff file a claim from the Administrative Portal against a canceled policy?
Yes.


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