Our proactive, hands-on claims management service makes us the best in the business. Our immediate, face-to-face approach means claims are accurately and efficiently managed to completion.
The key to a swift resolution is proactively managing a claim and acting within the first 24 hours of an incident. That is why our representatives are available 24/7 and remain the single point of contact from start to finish. Our comprehensive online portal makes it easy for clients to receive real-time claim status updates and review items specifically related to each claim, including statements, photos, documentation and more.
With more than 30 years of experience, Gulf South Risk Services has a proven track record of success while also staying abreast the latest tools and trends. We combine our reputation and experience with the most current technologies to provide unsurpassed service and support to our clients.
Investigations + Response Time
Gulf South expects immediate notification in the event of a catastrophic claim for general liability, auto liability and worker’s compensation. With regard to auto and general liability, we would expect immediate notification so we could attend the scene to begin our initial investigation to include photographing, scene diagram and other pertinent information necessary to properly evaluate the claim. With workers’ compensation we assure contact within 24 hours after notification of the injury. Adjusters are on call on a 24 hour basis.
Procedures + Guidelines for Handling Claims
We take a proactive approach to claims management and administration. Proactive management not only translates into a swift resolution but also provides opportunity to streamline the claims process and identify cost-savings measures and techniques. We achieve quality assurance through constant communication with our clients via real-time data reporting through our online portal. We also continuously monitor and analyze data in order to provide our clients with cost-saving opportunities and suggestions for implementing various programs to streamline the return-to-work and claims management process.
All claims and/or cases are managed by the adjuster on a daily basis.
In providing the detailed investigation and recommendation to the customer, Gulf South will also make recommendation for reserving amount for future liability. Our reserving practices are to reserve the claims to the ultimate value and thereafter reduce reserves for any potential third party recovery or subrogation.
Record Keeping + Correspondence
All files are kept electronically and available to the client online with printing capabilities. A complete real time picture of the claim is seen. If requested, we can forward a complete copy of the file either hard copy or electronic. Communication is also done electronically. Our claims systems allows for the storage of recordings and videos.
Reserving
All claims are reserved to the ultimate exposure. After completion of investigation, the adjuster will make recommendations for contribution from other third parties and express an opinion, based on a percentage basis what possible reduction in the ultimate claim reserve can be achieved.
Conflict of Interest
In the event of a conflict of interest, (I.E. Gulf South providing services to two customers involved in an incident), Gulf South will not handle the file of either of the customers and notify the customers immediately of the conflict. At that time, a request will be made of the customer to forward the individual claim to an outside vendor for both parties.
Claims Services Outside Normal Operations
Gulf South services the State of Louisiana. Any claim occurring outside of the state, independent adjusters would be utilized for on-scene investigation. Once the initial investigation is complete, a determination would be made whether to continue the use of the outside adjuster, if warranted by local laws, or to bring the management of the claim in-house.
Guidelines for Claimant Designation
Bills will be generated for each individual claimant where reserves and payments are posted to the claim. There is no charge for Report Only that is to simply make record of an incident unless it requires an investigation of the adjuster.
Accident Investigation Timeline
Gulf South expects immediate notification in the event of a catastrophic claim for general liability, auto liability and worker’s compensation. With regard to auto and general liability, we would expect immediate notification so we could attend the scene to begin our initial investigation to include photographing, scene diagram and other pertinent information necessary to properly evaluate the claim. With worker’s compensation we assure contact within 24 hours after notification of the injury. Adjusters are on call on a 24 hour basis.
Gulf South Risk Services philosophy is to keep the clients totally informed of the day-to-day processing of claims. This would involve telephone conversations, emails and 24-hour access to our on-line claims database. In addition to the mentioned reporting requirement, claims notes are maintained in the electronic file on a real time basis for review by personnel of the school board. All correspondence such as bills, physician notes, and emails are kept in the electronic file.
Technical + Service Support Turnaround Time
Adjusters are on call 24-hours a day. As mentioned above, we assure contact within 24 hours after notification of an injury. Technical telephone support is available from 8 a.m. -5 p.m. Monday through Friday.
