Another catastrophe, another headline. This time, California is investigating State Farm’s handling of wildfire claims – scrutinizing delays, denials, and service breakdowns during one of the most high-stakes moments a policyholder will ever experience.
But if you’ve been in this industry long enough, you know this isn’t about one disaster – or one carrier. It’s about how prepared you are to handle risk at scale, in real time, Before the inevitable happens.
Because catastrophe isn’t just a property event. It’s a risk detection vision test. And to often carriers fail it.
What happens when FNOL meets unverified risk?
A hurricane floods 8,000 homes. A fire takes out an entire ZIP code. Claims flood in – but with no behavioral context, no pre-loss insight, and limited local intelligence, adjusters are left without anything to tie decisions too. And the chaos, good claims get delayed, bad claims slip through and service suffers across the board.
That’s where idFetchTM makes the difference.
Not just a triage tool. Not just a flagging engine. idFetchTM is a real-time, consumer-friendly risk documentation tool that takes consumers through an auto or home documentation process that gives underwriters and adjusters the data they need to get both the risk and the claim right the first time. During the chaos of a catastrophe, idFetchTM helps carriers:
- Put the right claim with the right resource
- Surface risk signals and coverage concerns at intake
- Clarify damage scenarios faster and more defensibly
- Feed critical insights back to underwriting for the next renewal
From triage to renewal, idFetchTM brings clarity
🧭 Pre- and post-loss risk context
idFetchTM assembles a full view of the policyholder – coverage changes, occupancy shifts, property updates, and behavior patterns – before the adjuster ever picks up the file. It doesn’t just speed up triage. It improves accuracy and fairness at the most sensitive moment in the customer journey.
👥 Smarter assignment, better outcomes
A claim with clear damage, stable history, and clean coverage? Route it to a high-efficiency team for fast closure. One with suspicious timing or incomplete property data? Get it to senior adjusters or SIU before the loss spirals. idFetchTM puts each claim on the right desk from day one.
⚡ Faster service, with integrity
Customers with legitimate losses get faster, better service. Carriers gain defensibility on complex or questionable claims. And everyone operates from a shared source of truth -reducing friction, rework, and the risk of getting burned.
🔄 Feeds underwriting insights from what claims uncovered
Post-event, idFetchTM doesn’t stop. It pushes local event data, loss trends, and property-level behavior changes back into underwriting—fueling better decisions at renewal. Whether it’s identifying misclassified properties, frequent filers, or quietly deteriorating risks, idFetchTM turns claims experience into underwriting foresight.
idFetchTM helps carriers do more than survive a surge. It helps them act with clarity, route risk with confidence, and build a smarter book with every claim. Because when the next storm hits and the last thing you want is to realize your biggest exposure wasn’t the wind or fire. It was what you never saw coming.
