Week 1 post-inspection
- Field adjuster finalizes scope/estimate
- Submits to desk adjuster
- Uploads photos and sketch
Week 2
- Desk review line-by-line
- Pricing adjustments
- Scope reductions (common)
- Coverage determination
- Reserve adjustment
Week 3
- Supervisor approval for exceeding authority
- Manager review for complex claims
- Legal review for denials
Week 4+
- Written estimate to policyholder
- Offer / payment / denial
- Cover letter
Where scope gets lost
- Desk adjuster standardization
- Supervisor "unnecessary" trimming
- Manager risk-adjusted reductions
- Legal "coverage uncertain" flagging
What policyholders can do
- Check in at 10, 14, 21 days post-inspection
- Cite 627.70131 deadline pressure
- Submit supplemental documentation as available
- Request estimate and scope in writing