Renewal claims pack

Underwriters do not read a forty-page claims essay on the morning of a renewal. They read a sheet that says what burned, what is still open, and whether last year’s large loss is a story or a habit. This pack is that sheet, plus an appendix you keep closed until the question comes.

The front two pages cover the book’s shape: attritional versus large, the heaviest perils, and any year that should not be treated as normal (a flood winter, a hail week, a single fire). The appendix holds the large-loss summaries. We write in the language of the meeting; if the underwriter works in English and the handlers wrote in Georgian, we keep both honest rather than flattening the notes.

If the information list asks for something we cannot see in the files — a specific coding, a catastrophe flag you never used — we leave a blank and say so. Filling a gap with a plausible number is how renewal packs become unusable six months later.