Loss Run Audit
Prepared for Acme Insurance
- Engagement
- SR-2026-0847
- Document type
- Savings analysis
- Classification
- Confidential · prepared for Acme Insurance
- Loss run snapshot
- Jul 2026
- Delivered
- Aug 2026
- Prepared by
- Strala Claims Analytics
Executive summary
conservative, largely measured
per month
each with claim-level evidence
total unaddressed subrogation pool
high-confidence subro & salvage, inside statute
recoverable value that time-bars within 12 months
This book's leakage is concentrated in recovery pursuit and physical-damage cycle time; litigation exposure is building in the BI tail. The full itemization follows.
From current cost to identified value
The four P&L steps reduce claims spend. The balance-sheet step frees collateral — shown separately, never summed silently into a cost number.
Want to understand how these value drivers work? See the methodology on the landing page.
Dimension scorecards
List of sample findings
| Finding | Dimension | Evidence | Status | Value |
|---|---|---|---|---|
| VG-0412 | 01 | “Rear-ended at stop light… other driver cited.” Liability admitted in narrative; no referral on file. | Closed | $9,400 |
| VG-0873 | 01 | Insured unit struck while parked; TP carrier named at FNOL. No tender issued. | Closed | $6,150 |
| VG-1044 | 01 | Total loss, title retained. No salvage proceeds recorded on the file. | Closed | $3,800 |
| VG-0651 | 01 | Clear liability per police report. Statute expires in 4 months; file unassigned. | Open | $11,200 |
| VG-1187 | 02 | PD file open 94 days against an 18-day benchmark for this damage profile. | Open | $18,200 |
| VG-0928 | 02 | Rental accrued 61 days after the repair estimate was approved. | Closed | $4,270 |
| VG-0763 | 03 | Rental invoice line-items billed twice across two vendors. | Closed | $2,340 |
| VG-1310 | 02 | Storage at $85/day for 47 days pending a total-loss decision. | Closed | $3,995 |
| VG-0847 | 03 | Body-shop invoice 38% above the negotiated rate card; approved without review. | Closed | $1,860 |
| VG-0209 | 04 | BI claimant uncontacted for 41 days; attorney letter arrived on day 42. | Open | $31,000 |
| VG-0577 | 04 | Demand letter unanswered for 33 days; suit filed in week 6. | Open | $22,500 |
| VG-1502 | 05 | Reserve static for 60 days against documented active treatment. | Open | $12,700 |
| VG-0688 | 05 | Closed BI settled at 22% of final reserve after 14 months over-reserved. | Closed | $8,900 |
612 findings in the full audit · figures shown are illustrative
What your extract let us see
- ✓Loss date
- ✓Coverage type
- ✓Paid & incurred
- ✓Claim status
- ✓Loss narratives — 94% usable
- ✗Recovery dollars — recoveries net silently in this extract; dimension 01 conversion is assumed until the recovery report is provided
- ✓Legal expense split
- ~Reserve history — partial
Anything we could not compute is flagged, never estimated.
How this gets scored if we work together
- 1. Every assumption above is validated on live claims in the first 90 days.
- 2. Savings are recognized as accident years develop below prior picks, measured quarterly.
- 3. The scorekeeper is your actuary, against your own 2022–2024 baseline.
The audit is the measurement instrument. The pilot converts it from projection to evidence.
Loss Run Audit
Prepared for you
- Engagement
- SR-2026-····
- Document type
- Savings analysis
- Classification
- Confidential · prepared for you
- Loss run snapshot
- Your latest export
- Delivered
- Within 48 hours of upload
- Prepared by
- Strala Claims Analytics
The next engagement number is yours.
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