During a CAT event, insurers face a surge of claims at once. Often, this requires adjusters to be deployed from different regions with varying levels of skill and local market knowledge. Response time often increases and time spent on each claim often decreases.

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3D assists by collaborating with insurers through their claims process. We secure inspection windows early, maintain parallel workstreams (documentation, scoping, vendor mobilization), and escalate through dedicated carrier channels to cut through bottlenecks. With our ability to be selective on who we choose to work with and provide expertise for, we have better control over our time and can more readily utilize our local contacts for a more streamlined approach, which assists all parties towards a swift and accurate claim resolution.

Following a disaster, deadlines (notice of loss, proof of loss, mitigation duties) collide with widespread access issues and contractor shortages. Deadlines and duties that are often at less risk of being overlooked become more important to manage. We manage and monitor all critical dates, document impediments outside of your control, and work with you to satisfy your duties after loss are satisfied. Further, many states have different rules and regulations that apply to claims following a declared disaster. We prioritize staying up to date and informed on the controlling law.

Following a CAT event, market prices often spike, lead times grow, and certain trades/materials become scarce. Pricing databases may lag behind realtime conditions. We work directly with contractors and share information with carriers to ensure estimates reflect actual rebuild conditions.  

By its nature, a CAT event impacts communities; not only standalone structures. This disruption affects supply chains, customer access, utilities, and available staffing, making business income and extra expense claims more complex. We coordinate with your leadership and accountant to model realistic downtime, phased reopenings, and extra expense (e.g., temporary relocation, equipment rental, expedited freight, as supported by the policy), presenting supportable calculations to the carrier.