Claims IntelligenceDelegated claims and bordereau checks
Check the bordereau against the claim files.
When a TPA or coverholder handles claims for you, the bordereau is often all you see. Navi reads the claim files behind it, reconciles the reported figures and shows where the numbers and the documents disagree, so your audits start with the files that need them.
For complex casualty, property/BI and financial lines claims
The problem
The bordereau shows the figures, not the reasons
A monthly summaryPaid, outstanding and incurred figures arrive without the reports and letters behind them.
Audits are a sampleA claims audit reads a handful of files a year. The rest are taken on trust.
Every administrator reports differentlyFields, formats and timing vary by TPA, so comparing them takes manual work before any checking starts.
How it works
From bordereau to an audit list
Load the bordereaux and files
Bordereaux from each TPA or coverholder, with the claim files behind them.
Navi reconciles
Reported figures are standardised and checked against the reports, estimates and correspondence on each file.
Focus the audit
Start from the claims where the bordereau and the file disagree, with questions for the administrator ready and the pages attached.
Example
Where the figures and the file disagree
Checked against its file, our sample Halden Thermal claim showed:
A defence costs reserve reported at £180,000, while counsel's current estimate is £310,000
Reserve history, 30 September 2026; UK defence counsel updated report, p. 4The follow insurer's share is 40% on the schedule, but its own email refers to a 35% line
Policy schedule, p. 1; follow insurer email, p. 1A claim notified in August 2026 with no reserve held
UK defence counsel updated report, p. 7
What you get
What your team gets
- Bordereaux standardised across administrators
- Reported figures reconciled against the claim files
- Exceptions ranked for audit
- Questions for the TPA or coverholder, with the pages attached
“Parsewise surfaces material claims risk earlier, which directly protects our combined ratio.”
Compre Group · Legacy & Run-off Specialist · Claims reconciliation and portfolio diligence
Claims Intelligence
More from Claims Intelligence
See a bordereau checked against its files
We'll load a sample bordereau with its claim files and show the exceptions Navi finds, with every figure traced to its source. Then we'll scope a pilot on your own files.
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