Cut Coverage Uncertainty: Smarter Claims Decisions with Verisk

October 14, 2025 / 2 min read

In today’s era of automation and straight-through processing, many claims organizations are transforming faster than ever. Artificial intelligence (AI), real-time data, and workflow automation are improving efficiency across the board. But for all the progress, one critical question at the heart of every claim can still slow teams down.

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“Is this loss covered?”

It’s a simple question with costly implications. Delays in confirming coverage don’t just waste time; they can drive up claim severity, delay payments, introduce errors, and degrade the overall customer experience. Worse, they may create costly and inefficient rework and miscommunication between adjusters, underwriters, and even special investigation unit (SIU) teams.

The challenge is that coverage confirmation remains surprisingly manual and ambiguous. Adjusters often rely on PDF policy documents, underwriting notes, or tribal knowledge to determine what coverage applies. They may overlook endorsements, miss exclusions, or misinterpret outdated language. And at first notice of loss (FNOL), when information is most limited, these decisions carry even more risk.

The hidden costs of coverage uncertainty

Coverage uncertainty can create ripple effects:

Higher loss costs when coverage decisions are made too late or reversed midstream
Customer dissatisfaction due to delays and inconsistent messaging
Unnecessary delays when claims are routed incorrectly or reopened
SIU inefficiencies caused by late access to critical policy details
Compliance and leakage risk when incorrect decisions are based on mistaken assumptions

Many of these issues could be avoided by solving the coverage problem earlier—with better tools, clearer data, and more effective automation.

Enter Claims Coverage Identifier

Claims Coverage Identifier from Verisk directly addresses these challenges by surfacing accurate, policy-specific coverage information right when it’s needed at FNOL.

Instead of combing through lengthy policy documents or relying on memory, adjusters get a concise, context-aware view of what coverages, limits, exclusions, and endorsements apply to each claim. There’s no need to interpret or infer. The relevant information is highlighted and actionable.

That can mean faster decisions, less rework, and more accurate outcomes from Day 1.

Coverage intelligence isn’t just a back-office tool; it’s a frontline advantage. With Claims Coverage Identifier, carriers can reduce loss costs, protect against leakage, and restore the clarity and confidence that modern claims teams need.

Learn more about how claims teams are taking the guesswork out of coverage determinations.

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What Is Coverage Uncertainty Costing Your Claims Organization?

“Is this loss covered?”

The hidden costs of coverage uncertainty

Enter Claims Coverage Identifier