Solution Overview

Genpact virtual adjusting and inspection

Insurance claims inspection, estimation, and fulfillment in a single turnkey digital solution

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For property and casualty insurers, evolution is constant.Carriers are under pressure to find ways to continually improve claims performance while meeting the increasing demands of customers. To find the answers, carriers must leverage new technologies, engage in new lower-cost resource pools, and implement new claims servicing models.

The damage inspection cycle, and the challenges with inspecting claims, is one area ripe for performance gains. The huge variety of claim type and complexity, the range of inspection and estimation skills required, and the non-standardized processes behind them, all tie up resources and delay claim settlements.

Carriers are searching for reliable digital solutions that reduce cycle times, improve estimate accuracy, and reduce loss adjusting expense. There are numerous options available to achieve this:

  • Self-service inspection tools
  • Digital inspection technologies
  • Digital measurement services
  • Lower-cost inspectors
  • Centralized estimate writing

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The Genpact solution

Genpact virtual adjusting and inspection is a centralized solution that coordinates the multiple stages of damage inspection. It's a turnkey, end-to-end inspection process for all levels of severity and complexity of property, contents, and auto claims.

It fuses Genpact's insurance domain experience, digital inspection technology, estimation, and fulfillment into one platform. As a single-source solution, it can be configured with multiple modules:

Instant inspection:

  • Mobile website tool enables adjuster and insured to communicate and share HD pictures and video in real time
  • Adjusters can guide insureds through damage inspection
  • Enables fast-track claim settlement of claim or additional inspection triage if needed

Self-service app:

  • Mobile app uploaded by insured
  • Guides customers through capturing and uploading the photos/videos of damage in the correct order
  • Streamlined inspection of damages on fast-track and low-severity claims

It's a win-win for customers and insurers

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Photo-only inspection:

  • Immediate response inspection model utilizing 20,000+ photo field inspectors
  • Both photos and video of damage can be captured

Our end-to-end smart claims approach consists of modular offering built on our Genpact Cora platform

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Technical inspections:

  • 2000+ credentialed and licensed adjusters across the US. All have been vetted for experience and trained in the required inspection software
  • They can capture photos, video, measurements, as well as the full scope of damages
  • Technical inspectors are highly skilled and are triaged assignments based on the severity of the claim and experience level required

Estimates

  • Genpact's centralized team of adjusters write the estimate based on photos, video, and scope of damages obtained in the field
  • Xactimate and XactAnalysis Workflow utilized for property claims and CCC for auto claims
  • Estimates are written based on each carrier's guidelines

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