Automatic escalation triggers
- PA / attorney representation noted
- CRN filed (legal-review mandatory)
- DFS complaint filed (compliance response)
- 627.70131 deadline missed
- Large loss threshold crossed
- Reinsurance notification triggered
- Media inquiry received
What happens when flagged
- Supervisor assumes more active role
- Communication routed differently
- Review intensity increases
- Timeline may accelerate or slow depending on factor
- Settlement authority escalates
Deescalation factors
- Withdrawal of representation
- Documented cooperation
- Mediation/settlement discussions
- Scope agreement
Policyholder strategic use
- Invoke representation when stuck
- File DFS complaint in parallel with carrier negotiation
- Prepare CRN as credible signal
- Escalate deliberately, not casually