This manual outlines the complete, mapped, modular claim‑review procedure used by Freeney Claims. Reviewers must follow each step exactly. No promises, no legal interpretations, no repair advice. Your job is to evaluate fairness, accuracy, completeness, and missed compensation.

• Verify claim type:
  • Wind
  • Hail
  • Water
  • Fire
  • Liability
• Review adjuster notes:
  • Damage descriptions
  • Scope decisions
  • Coverage references
  • Reasoning for denials
• Compare inspection findings to adjuster scope:
  • Missing rooms
  • Missing line items
  • Under‑scoped damage
  • Incorrect material types
• Check for missed compensation:
  • Unpaid damage
  • Underpaid line items
  • Incorrect depreciation
  • Incorrect coverage application
• Review photos:
  • Damage photos
  • Room photos
  • Material photos
  • Roof photos
• Check estimate accuracy:
  • Quantities
  • Material types
  • Labor requirements
  • Pricing accuracy
• Review policy alignment:
  • Coverage A/B/C/D relevance
  • Deductible type
  • Endorsements
  • Exclusions
• Maintain professional conduct. No promises, no coverage discussions, no repair advice.

• Wide‑angle room photos
• Close‑ups of damage
• Roof slope photos
• Material type photos
• Flooring transitions

All review notes must be accurate and documented. Include:

• Room dimensions
• Material quantities
• Damage quantities
• Moisture readings (if applicable)
• Any discrepancies between inspection and adjuster scope

Every claim review must follow the Ecosystem‑G structure:

• Inspection → Adjuster Notes → Scope → Photos → Estimate → Policy → Summary
• Clear justification for each correction
• No assumptions
• No vague descriptions

Thank the insured. Inform them the office will review the claim and follow up within 48 hours. Submit all review notes, corrections, and supporting documentation before closing the file.