Property & Casualty Claims
Sweet Claims Company offers a full spectrum of Property and Casualty Claim Services through our talented staff of experienced claim adjusters. We offer tiered expertise based upon the experience required to handle the most complex of losses.

Sweet Claims Company has the flexibility and knowledge to conduct complete administration and investigation for all property and casualty claims, including:

• Adjustment and/or Appraisal of first and third party claims
• All phases of Building Construction and Contents
• Appraisal services
• Automobile Liability
• Bodily Injury and Property Liability Investigations
• Builders Risk
• Business Interruption Valuation
• Construction Defect
• Environmental Claims
• Fine Art Losses
• General Liability
• Habitation & Owner, Landlord Tenant, (OL&T) Claims
• Inland Marine
• Products Liability
• Trucking Liability/Cargo
• Subrogation Evaluation & Recovery Services

Investigation & Trial Preparation
Sweet Claims Company provides in-depth Investigations and Trial Preparation for our clients through our staff of experienced investigators and litigation managers. We provide complete or specific task oriented investigations and can assist counsel with their most complex and urgent requirements prior to Trial.

Our investigation techniques result in pro-active cost savings for you through the prevention, reaction and mitigation of the claims process.

We provide

• Signed statements
• Recorded statements
• Surveillance
• Fraud detection
• Background/indexing
• Canvassing
• Videography
• Still photos
• Diagrams
• Obtaining police information and report
• Subpoena service
• Hosting witnesses for depositions

Litigation Management Services

A typical process would be:

• Review of Summons & Compliant to determine if an Answer is in order and for whom. Review conducted in concert with coverage analysis.
• Plaintiff attorney contact (re: Extension/Stipulation, etc.) and defense attorney contact (re: Answer)
• Correspondence to plaintiff attorney, defense attorney, co-defendants, and insured (request of pertinent documents, etc.)
• Initiate appropriate field investigation
• Review and evaluate documentation and investigative results
• Based on analysis of above, determine liability and exposure and then decide on the appropriate course of action:
  1. Defend
  2. Bring in appropriate joint tort feasors
  3. Settle in proportion to exposure

Third Party Administration Programs
Sweet Claims Company provides completely integrated claim solutions for Insurers and Self Insured entities that require the outsourcing of their claim administration needs. We provide a vast array of TPA related services through the use of our dedicated strategic business units that possess the requisite knowledge to reduce our clients total claim cost.

At Sweet Claims Company we believe in partnering with our clients to achieve total claims management solutions by understanding the operations of your company. It is our goal to become an extension of our clients Claim/Risk Management Department by gaining a thorough knowledge of their philosophies. When designing a program, we capitalize on quick claim response and conclusion. Our strategies are designed to eliminate inefficiencies and contain costs. Our objective is to create a claims service program that focuses on a quick economical conclusion to all claims to reduce our clients overall claim cost. . We evaluate the economics of defending a claim in order for the client is able to make an informed decision. Through our litigation management practices, when applicable, we will recommend vigorously defending a claim in order to avoid setting precedent.

• Through our knowledge we offer
• Dedicated Account Managers
• Aggressive claims administration
• Informed reserving based on investigative results and settlement experience
• Conduct timely claims investigation
• Expertise in management, negotiation and settlement of claims
• Economic evaluations on settlement vs. litigation
• Litigation management
• Development of customized claim handling instructions
• Concise and direct claims reporting
• Provide a 24/7 web-based a user friendly risk management information system
• Track and control aggregates including self insured retention
• Claim review meetings
• Toll free claim reporting service
• 1099 vendor tax filings

Auditing
Sweet Claims Company provides a full spectrum of Insurer, Third Party Administration and Self Insured audit services. Audits can be performed to focus on a particular aspect of our clients needs or encompass the overall evaluation of a particular matter or claim administration program.

When requested by our clients to conduct an audit, we capitalize on our expertise to review files quickly and concisely, then offering our findings and recommendations.

• Legal Billing Audit (file review)
• Expert Billing Audit
• Independent Adjuster Billing and File Audit
• Internal Carrier File Review which includes:
  • Development of case history
  • Identification of trends and potential problem areas
  • Evaluation of established reserves
  • Critique service providers
  • Evaluation of compliance to account instructions
  • Claims handling timeliness
  • Claim control and direction
  • File documentation
  • Subrogation/deductibles and other types of recovery
  • Coverage
  • Settlement/negotiations
  • Excess carrier/reinsurer notice

Audits allow for the clients to receive a clear picture of their vendors work product from an objective third party. The results of an audit can lead to reduced costs and is a valuable tool in evaluating vendors and claims handling abilities