Extended Claim Cycle Times Due to Manual and Data‑Constrained SIU Reviews

$10s per referred claim in added loss-adjustment expense and reserve carrying costs; millions annually at scale with thousands of referrals • Additional $30–$75 per referred claim in extended loss-adjustment expense and reserve carrying cost, plus delayed corrective action on high‑loss or high‑fraud agencies that can compound into hundreds of thousands to low millions of dollars annually in avoidable loss and leakage for carriers with thousands of SIU referrals. • Baseline tens of dollars in extra loss-adjustment expense and reserve carrying cost per SIU referral; for carriers handling thousands of SIU referrals annually across agency, MGA, program, affinity, reinsurer, and state-pool books, this scales to low- to mid-single-digit millions of dollars per year in overtime, vendor spend, outside SIU services, delayed subrogation/recovery, and excess reserves held open longer than necessary.

Investigators and claim handlers manually swivel-chair between the core claims system, separate SIU/case tools (if any), document repositories, email, spreadsheets, PDF notes, public-records and corporate registries, and web search to piece together entities, prior claims, and supporting evidence for each referral. • Manually assemble data from multiple internal systems, external sources, emails, and shared drives using spreadsheets to track evidence and progress • Policy and risk leaders ask SIU and claims teams for ad hoc status updates and evidence packets via email and spreadsheets, then manually reconstruct claim timelines and fraud patterns across multiple systems to assess agency performance and adjust underwriting or compensation terms.