CLAIMS PROCESSING AUDIT CHECKLIST

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--- CLAIM INTAKE & VERIFICATION ---
[ ] Claim Received Date
[ ] Claim Number
[ ] Claim Type (Property, Liability, Auto, Workers' Compensation, Other)
[ ] Initial Description of Loss
[ ] Policy Status Verification (Active, Lapsed, Cancelled, Suspended)
[ ] Supporting Documents (e.g., Police Report)

--- COVERAGE VALIDATION ---
[ ] Policy Type Verified? (Homeowners, Auto, Commercial, Other)
[ ] Coverage Endorsements Applied? (Yes, No, N/A)
[ ] Summary of Coverage Validation Findings
[ ] Policy Effective Date
[ ] Date of Coverage Validation Completion
[ ] Coverage Areas Validated (Select All That Apply) (Property Damage, Liability, Business Interruption, Personal Injury, Other)
[ ] Was Policy Exclusions Reviewed? (Yes, No)

--- DAMAGE ASSESSMENT & DOCUMENTATION ---
[ ] Description of Damage
[ ] Photos of Damage (Front)
[ ] Photos of Damage (Rear)
[ ] Photos of Damage (Side)
[ ] Estimated Repair Cost
[ ] Damage Severity (e.g., Minor, Moderate, Severe) (Minor, Moderate, Severe)
[ ] Date of Damage Assessment
[ ] Time of Damage Assessment

--- RESERVES & PAYMENT AUTHORIZATION ---
[ ] Initial Reserve Amount
[ ] Reserve Rationale/Justification
[ ] Date Reserve Set
[ ] Adjusted Reserve Amount (if applicable)
[ ] Explanation of Reserve Adjustment (if applicable)
[ ] Date of Reserve Adjustment (if applicable)
[ ] Authorization Level Required (Level 1, Level 2, Level 2A, Level 3)
[ ] Authorizing Manager Signature

--- VENDOR MANAGEMENT (IF APPLICABLE) ---
[ ] Vendor Selection Process (Formal RFP Process, Informal Bid Process, Existing Approved Vendor List)
[ ] Number of Vendors Used
[ ] Vendor Contract Review Process Description
[ ] Vendor Contract (Example)
[ ] Vendor Performance Monitoring (Formal Performance Reviews, Informal Feedback, No Formal Monitoring)
[ ] Average Vendor Response Time (Days)

--- REGULATORY COMPLIANCE ---
[ ] Applicable State Regulations (Check all that apply) (State A Regulations, State B Regulations, State C Regulations, Federal Regulations)
[ ] Summary of Key Regulatory Changes Implemented
[ ] Date of Last Regulatory Compliance Training
[ ] Number of Regulatory Exams Passed (Last 12 Months)
[ ] Upload Documentation of Compliance with Specific Regulation (e.g., 2110)
[ ] Confirmation of Adherence to Prompt Payment Laws? (Yes, No, N/A)
[ ] Description of Processes to ensure Compliance with Unfair Claims Practices Acts

--- CUSTOMER COMMUNICATION ---
[ ] Initial Contact Method (Phone, Email, Mail, Portal Message)
[ ] Summary of Initial Conversation
[ ] Date of Initial Contact
[ ] Time of Initial Contact
[ ] Communication Topics Covered (Claim Status, Required Documentation, Coverage Questions, Next Steps, Other)
[ ] Customer Concerns/Feedback
[ ] Resolution Offered (If Applicable) (Explanation of Coverage, Additional Information Provided, Payment Authorization, Escalation to Specialist, No Resolution Required)

--- CLAIM CLOSURE & REPORTING ---
[ ] Claim Closure Date
[ ] Claim Closure Summary
[ ] Total Paid Amount
[ ] Claim Status (Closed - Paid, Closed - Denied, Closed - Recovered, Closed - Other)
[ ] Supporting Documents (Final Repair Invoice, Release of Liability, Subrogation Documents, Other)
[ ] Supporting Documentation
[ ] Claim Reference Number (for reporting)

--- FRAUD PREVENTION ---
[ ] Claimant Relationship to Insured? (Immediate Family, Business Associate, Friend/Acquaintance, Unknown)
[ ] Claim Amount (USD)
[ ] Describe any unusual claim circumstances.
[ ] Which red flags were observed? (Inconsistent Statements, Missing Documentation, New Injuries/Damage, Unexplained Delay, Multiple Claims)
[ ] Date of Incident
[ ] Upload supporting documentation (e.g., police report, medical records)
[ ] Suspected Fraudulent Activity? (Yes, No, Uncertain)

--- DATA SECURITY & PRIVACY ---
[ ] Data Encryption Method Used (AES-256, RSA, Other (Specify in Long Text))
[ ] Detailed Description of Encryption Process
[ ] Access Controls Implemented (Role-Based Access Control (RBAC), Attribute-Based Access Control (ABAC), None, Other (Specify in Long Text))
[ ] Description of Access Control Measures
[ ] Compliance Framework Adherence (HIPAA, GDPR, CCPA, Other (Specify in Long Text))
[ ] Date of Last Security Audit
[ ] Summary of Audit Findings and Remediation Steps
[ ] Data Privacy Policy Document

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