Post-Hurricane Single Assignment: 800 Plus Properties

Overview

Following a major hurricane in the Gulf of Mexico, high winds and tornadic activity swept through Georgia, South Carolina, North Carolina, Alabama, Kentucky, Ohio, and Indiana, causing significant damage across multiple regions. One insured maintained a schedule of over 22,000 habitational single-family dwellings under a single policy — with more than 800 properties impacted by this catastrophic event.

Parker Loss Consultants (PLC) was retained to manage the field response, inspection process, and overall claim organization for this large-scale, multi-state loss. The assignment required rapid mobilization, detailed documentation, and consistent reporting from a large network of field representatives.

Challenge

The magnitude and geographic spread of the loss presented an extraordinary coordination challenge:

• Scale and Coverage: Over 800 separate properties across 8 states required prompt inspection, documentation, and claim reporting.
• Personnel Management: PLC coordinated 35 field representatives, ensuring consistency in data collection, photo documentation, and scope reporting.
• Complex Deductible Structures: Approximately 25 properties sustained both wind and flood damage, impacting deductible applications and coverage allocation—from $100K to $500K.
• Time Sensitivity: The insured, broker, and carrier required timely and accurate progress updates to set reserves and evaluate exposure efficiently.

Maintaining accuracy, consistency, and communication across this volume of work demanded advanced project management, structured data workflows, and experienced leadership.

Solution

PLC deployed a structured and methodical approach to manage the claim from inspection through settlement:

• Rapid Mobilization: Field teams were dispatched to all eight states within days of assignment. PLC established standardized inspection protocols and reporting templates to ensure uniform work product across all regions.
• Weekly Construction Meetings: PLC led standing meetings with the client, broker, carrier, and claim advocates to prioritize high-severity losses, track completion metrics, and adjust reserve estimates.
• Centralized Data Management: Inspection findings, photographs, and estimates were compiled in real time using a centralized platform, allowing PLC's management team to maintain visibility over progress and quality control.
• Flood vs. Wind Differentiation: PLC closely analyzed properties with combined perils to ensure proper allocation between flood and wind coverage, avoiding potential deductible disputes.
• Collaborative Communication: Throughout the process, PLC maintained clear communication among all stakeholders — insurers, insured representatives, and outside experts — ensuring that all parties had confidence in the reported data.

Results

The structured and disciplined execution by PLC delivered exceptional outcomes:

• Full completion of all claim documentation within 6 months from assignment.
• Final settlement achieved in 6.5 months, a process that typically extends over 2 years for claims of this magnitude.
• Claim settled at $6.6 million, coming in $1.4 million under the initial reserve of $8 million.
• Zero litigation — the claim was resolved entirely through negotiation and technical documentation.
• Record coordination across 8 states and 35 field representatives with consistent, defensible reporting.

This project exemplified PLC's ability to manage large, multi-location catastrophe losses efficiently, accurately, and collaboratively — reducing both claim cycle time and overall cost exposure for the client.