Goal: maximize settlement efficiently. Close within 21–35 days of estimate submission.
Step 1 — Submit to Insurance
Client approves, file moves to Stage 2, submit to adjuster, set 48hr follow-up reminder.
Step 2 — Initial Adjuster Response
Within 48 hours. If no response, follow up immediately (phone required).
Step 3 — Prepare Negotiation Strategy
Review objections, gather photos, code citations, vendor quotes, policy language.
Step 4 — Negotiation Process
Respond within 24 hours, provide justification, stay professional but firm, update client every 2 days minimum.
Step 5 — Escalation Decision (Day 7–14)
Continue if progress; if stalled with TL approval: invoke PA, escalation letter, appraisal deadline, notify client.
Step 6 — Settlement Agreement
Review final offer with client, get approval, document settlement amount.
Step 7 — Close-Out
Update status to Completed, client pays final invoice.