Field notes
Field notes
Short pieces from the Kutaisi desk on how claims files actually behave, written for brokers and handlers rather than for a general business audience.
When leakage is just a missing recovery letter
Not every empty recovery column is a scandal. Some are a letter that went out once, in March, and never had a second page.
Reading reserve movement without drowning in the ledger
A reserve that jumps twice in a month is a story. A reserve that never moves on an open large loss is a different story. Both need the notes.
What a claims bordereau can and cannot tell you
A bordereau is a listing for a treaty, not a substitute for the file. Here is what we still open by hand.
Motor claims in western Georgia: seasons worth watching
Windscreen weeks and a wet January are not the same as a deteriorating book. Separate them before the renewal sheet is printed.
Preparing a large-loss file before the underwriter asks
Survey age, medical promises, recovery letters, and the last time anyone wrote in the notes — the questions that arrive anyway.