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CLAIMS MANAGEMENT

Catastrophe The bottom-line cost of your insurance and your ability to obtain insurance at competitive prices is directly affected by the cost of your claims. The focus of your safety and loss control efforts are before a claim happens and are directed at reducing or eliminating the loss entirely. Claims management occurs after the loss happens and is focused on making sure your claims are promptly and properly handled and paid. Claim management is also concerned with reducing the cost of the claim and making sure claim reserves are appropriate.

To assist you in your risk and claims control efforts, MHBT provides a team of experienced claim professionals to be your advocate in these arenas:

Protecting your interest in first party settlement negotiations - We work with you and your insurance company to make sure that you get a prompt, fair, and equitable settlement for claims for your own account.
Resolving coverage questions and issues - As you know, insurance coverage questions are not always black and white and our claims professionals have vast experience in making sure that you receive all the coverage to which you are entitled and the policy provides.
Coordinating and participating in scheduled claims reviews - Where necessary a periodic claim review between you and your insurance company keeps you informed of the progress in the various pending claims. These meetings also assist in promptly closing claims and properly setting reserves.
Monitoring of insurance company claim reserves - Our claim professionals negotiate with insurance companies on your behalf to make sure your claims are properly reserved at an adequate but not excessively high level. This ensures your experience modifier is calculated with a proper reserve for losses.
Providing claim oversight on selected claims - Where necessary your claim service representative will closely follow claims to make sure that they are handled in a timely manner and key information is given to the claim adjusters so they can effectively settle claims.
Assisting in identifying "outside experts" when necessary - When needed, we can suggest and involve outside investigators, appraisers, and other experts to assist in the resolution of your claim.