Leakage and recovery review

Leakage, in the sense we use the word, is money the book should have taken back or never paid: an uncollected excess, a contribution from a second policy, a subrogation letter that stopped after the first unanswered week. It is not a moral judgement on a handler. It is a reading of whether the papers match the recovery column.

We sample closed files, match them to posted recoveries, and list the ones where the notes mention a third party and the ledger does not. Georgian motor files after a junction collision are a frequent source; so are property fires where a tenant’s policy was mentioned once and never followed.

This is not a forensic audit and not a court-ready expert report. If you need those, you need a different firm. What you receive is a briefing a claims manager can use to reopen the recovery work without pretending the whole book is clean or dirty.