Standard Claim vs. Catastrophic Claim: What is the Difference?

Catastrophic Claims arise from a large scale event such as a natural disaster (Tornado, Strong Winds, Hailstorm, Flood, etc.) that causes a spike in the amount of claims that is normally turned in. When this happens, it requires more adjusters to be assigned to an area to be able to complete the appropriate adjustments in a timely manner.

Not only do more claim adjusters get assigned to work in the community, it is classified differently within your underwriting score.

Daily claims, on the other hand, are claims arising from losses that happen every day in every community throughout the country, but are not associated with a catastrophe; a pipe leak, a kitchen fire, a slip on a wet floor in a grocery store and a back strained on the job are all examples.

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