Peak Claims Group, Inc., has officially implemented its Flood Support App across internal teams, including Field Adjusters, QA, and Management. This tool, developed and trained over 24 months, is designed to assist with real-time decision-making during the handling of NFIP flood claims.
The Flood Support App uses a custom-trained AI model to help adjusters confidently navigate the strict guidelines imposed by the National Flood Insurance Program (NFIP). The app provides 24/7 scenario-based support, helping reduce documentation errors, improve file accuracy, and shorten cycle times.
Closing the Gaps in NFIP Claims Handling
Flood claims under the NFIP are fraught with challenges:
- Detailed Proof of Loss submissions must be timely, complete, and policy compliant.
- Adjusters must interpret Flood Insurance Policy language precisely.
- Policies often exclude common perils or contain nuanced ICC and building code provisions.
- Private insurers administering these policies must comply with federal FEMA time standards without fear of bad faith litigation, placing the compliance burden heavily on the adjuster.
FEMA has repeatedly flagged quality control failures and documentation inconsistencies in prior catastrophe reviews. Peak’s Flood Support App was developed to reduce these issues before they arise.
A Tool Purpose-Built
Our field adjusters, QA and management now have:
- Instant access to guidance on Proof of Loss and policy interpretations to ensure adherence to the NFIP Claims Manual.
- Step-by-step workflows for Loss Avoidance Measures and ICC provisions.
- Real-time insight into advance payment thresholds and documentation requirements.
- QA checklists integrated with FEMA’s RCQC and Operation Review standards to reduce audit flags.
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