- Before
- “I can audit one bill in ten. The other nine get paid as billed.”
- Now
- Opens every bill already checked, each reduction cited, and sends one return note per bill.
One fee bill, from received to paid
Hurricane Marisela made landfall in Sandhaven, TX on 21 September. Two weeks later Gulfstar Claims Services bills Northmere Mutual $2,619.90 for the Ames claim. Here is what happens next, screen by screen, in the working solution.
- 01Wed 7 Oct, morning
The bill stack, and the bill already checked
Priya Raman · IA program managerPriya opens CAT 26-14: 438 fee bills waiting, $1.21M billed, $118.4K not allowed so far. The first in the stack is Gulfstar’s GCS-26-07714 for Carol and Dwight Ames — 14 lines, $2,619.90. The gross loss is $187,460, over $150,000, so it is billed as time and expense under guideline §3.2. Lines over guideline are already struck through, the allowed amount written beside them.
“6 agents checked this bill at 08:53 — 14 lines · 31 rules · 64 photos · check-in log · claim notes · 38 s”
- 02Replay the audit
Every line tested, one check at a time
The agentsReplay shows the run on the bill itself. The fee bill reader ties every quantity × rate to the $2,619.90 total. The guideline checker confirms the billing basis, then cuts mileage from 142 to 92 miles — the first 50 miles of a round trip are not billable (§5.3) — pays 40 photographs at $1.50 instead of 64 at $2.00 (§5.5), and strikes file set-up and postage as overhead (§4.6, §5.8).
- 03One click on T-03
Four hours billed, 35 minutes on site
Photo and time cross-checkerTravis Kell billed 4.0 hours of field inspection, $380.00. His field app’s GPS check-in at 1418 Heron Point Drive is 10:35 and check-out 11:10; his 64 photos run from 10:42:17 to 11:03:05; his next photo, on another claim at 77 Bayshore Road, is at 11:48. Field time is documented on-site time: 35 minutes, rounded up to 0.6 h — $57.00 allowed.
§4.3: “Field time is the time on site at the risk, supported by the inspection check-in and check-out and by the photographs, billed at $95 an hour to the next 0.1 hour.”
- 04Open Travis Kell’s day
Seven inspections on one time line
Photo and time cross-checkerThe cross-checker lays every claim he billed on Saturday 26 September side by side: seven large-loss inspections in Sandhaven between 08:05 and 16:21, each 35 to 41 minutes on site by his own check-ins and 412 photos. He billed 26.5 hours of field time in a day that ran 8 hours 16 minutes; 4.45 hours are documented on site.
“It reports time, not intent. Whether this is a pattern is for vendor management to decide.”
- 05The day as billed
Billed hours laid end to end
Priya Raman · IA program managerSwitch to the day as billed and the seven field-time blocks, laid end to end, run past his 16:21 last check-out, past midnight, to 10:35 on Sunday. One button applies documented time to all seven bills; another refers the pattern to vendor management. A referral asks for a review — it is not a finding.
- 06Report check
Nine of 12 report guidelines met, three to return
Report reviewerThe report reviewer checks the first report against the report guidelines: contact 19 hours after assignment, inspection 2 days after contact, first report 3 days after inspection, cause of loss with its evidence, every roof slope with a test square, sketch, estimate tie, mortgagee named. Three items are not met: front, left and right elevations only, no moisture reading in bedroom 2, and a 2 Oct re-inspection with no authorisation in the notes.
- 07Report and photos
The report with margin notes
Report reviewerThe report opens as pages with a margin note against each guideline it meets or misses, beside the elevation map and the 64-photo contact sheet. Bedroom 2 has five photos and no moisture reading, although it has the largest drywall replacement, 412 sq ft — and the examiner, Marcus Bell, asked for the readings on 1 Oct.
- 08Decision
Pay what the file shows, return what it doesn’t
Return note writerFrom billed to allowed: $2,619.90 down to $1,878.40, 28.3% not allowed, the held re-inspection line paid when its evidence arrives. Beside it, one return note to Shawna Delacroix, Gulfstar’s branch manager: three report items and six bill lines, each with its section. Priya can edit it before it goes.
“Reply here with any evidence we have not seen and we will look at the line again.”
- 09Signed · Today 09:14
Two signatures, then the payment run
Priya Raman and Lena OrtizPriya approves $1,878.40, sends the note and refers Travis Kell’s 26 September to vendor management. The reduction is over $500 and carries a time flag, so Lena Ortiz, the CAT unit’s claims supervisor, co-signs — from her phone. The bill goes into Thursday’s payment run.
“Your signature, the evidence for every line and the note are kept with the bill. The agents proposed; you decide.”