Every Feature in ECode Pro

Claims Management

The claims file is the center of everything in ECode Pro. From the moment a claim is created at FNOL to the day it closes, every document, note, photo, diary entry, payment, and communication lives in one organized, searchable record.

Structured first notice of loss form captures all required fields automatically — insured information, loss details, coverage confirmation, and initial assignment. A claim number is generated and the file is routed immediately.

Every document, photo, note, estimate, correspondence, and payment record organized under one claim file. Searchable by any field. Accessible to every authorized party in real time.

Real-time status visible to adjusters, supervisors, and authorized carrier partners as claims move through each stage. Every status change is logged with user and timestamp.

Insured, claimant, attorney, adjuster, vendor, and carrier contacts organized under each claim with a complete communication history and role designation.

Timestamped notes, uploaded documents, and photos organized chronologically in the claim file. Notes are immutable after submission — the record cannot be altered after the fact.

Structured coverage analysis template with policy provision tracking, exclusion analysis, and reservation of rights documentation. Coverage decisions are documented with rationale.

When an estimate is revised, the previous version is preserved and dated. Every version is visible in the file history. Adjusters and carriers always see the current version with access to all prior versions.

Search any document, note, or record across any claim in your portfolio by keyword, date, party name, or document type.

Reserve and Payment Management

Reserve accuracy and payment control are two of the most critical — and most frequently mismanaged — aspects of claims operations. ECode Pro enforces authority limits at the system level and creates a complete, immutable record of every financial decision.

Indemnity and expense reserves tracked as separate line items with independent authority limits, approval workflows, and financial reporting. Reserve adequacy is calculated independently for each category.

Reserve changes and payment requests that exceed the handling adjuster's configured authority are automatically routed to the next approval level. The system will not allow an out-of-authority transaction to proceed.

Issue payments to multiple parties on a single claim — insured, mortgagee, lienholder, contractor, attorney — with separate payee verification and documentation for each. All payees tracked under the same payment record.

Multi-stage approval workflows based on payment amount, payee type, and claim category. Every stage of the approval chain is documented with user and timestamp.

When reserve levels appear insufficient relative to the developing scope of a claim, ECode Pro flags the inadequacy automatically — alerting the adjuster and supervisor for review before the file reaches an audit.

Every reserve change requires a structured reason code plus free-text explanation. Changes above configured thresholds can require additional supporting documentation.

Every payment request, approval, modification, and disbursement logged with user, timestamp, amount, payee, and full approval chain. Exportable for carrier audit and regulatory examination.

Carrier partners can be granted read-only access to reserve data on their claims — with change history — without the ability to modify records.

Adjuster Management

Getting the right claim to the right adjuster — and keeping visibility into what every adjuster is handling — is one of the core operational challenges in claims management. ECode Pro automates assignment and surfaces performance data in real time.

New claims are routed automatically based on adjuster expertise tags, current claim count versus target capacity, license state for the loss location, and carrier-specific preference lists.

Supervisors see exactly how many active claims each adjuster is carrying, their utilization percentage versus target capacity, and which adjusters have bandwidth for new assignments — updated live.

Objective performance metrics per adjuster — cycle time, diary compliance percentage, first-review file completeness rate, supplement rate, and customer satisfaction — scored weekly and visible to management.

Adjuster license information stored with expiration alerts. The system prevents assignment to claims in states where the adjuster does not hold a current license.

Rapid assignment of large adjuster pools to CAT claims with territory mapping, surge capacity tracking, and daily production reporting. CAT mode activates with a single toggle.

Full claim access, photo capture, note entry, status updates, diary completion, and document upload from any iOS or Android device. Syncs to the claim file in real time.

When any adjuster reaches 90 percent of their target capacity, supervisors receive an automatic alert with suggestions for redistribution.

Compare adjuster performance across the team on standardized metrics. Identify coaching opportunities and recognize top performers with objective data.

Diary, Tasks, and Compliance

Diary compliance is not a nice-to-have — it is a regulatory requirement in every state. Missing a statutory deadline creates bad faith exposure. ECode Pro moves compliance from adjuster memory to system enforcement.

Required diary actions calculated at claim creation based on the state where the loss occurred. Every state with unfair claims practices regulations is covered. Requirements update automatically when regulations change.

Every upcoming deadline generates alerts 48 hours and 24 hours in advance — sent simultaneously to the handling adjuster, team lead, and supervisor.

When a diary entry is not completed by its due date, ECode Pro automatically escalates to the supervisor. Overdue items are never invisible to management.

Every diary entry captures contact type, party contacted, outcome, and next action required. Structured data enables reportable compliance metrics rather than unstructured text notes.

Standard task sets created automatically for each claim type when claims open or when status changes. New adjusters follow the same structured workflow as experienced ones.

Carrier-specific service level agreements tracked independently. Alerts fire before any SLA is breached — not after the monthly review cycle when it is already too late.

Diary compliance rates by adjuster, carrier, and claim type — available as a live dashboard metric and as an exportable report for carrier audits and regulatory examinations.

Every diary entry and task completion logged with user, timestamp, and action taken. Cannot be modified after submission. Provides defensible proof of compliance for any examination.

Vendor Management

Every claim involves vendors. Managing their assignments, invoices, compliance documents, and payments from within the claims platform — rather than across email and spreadsheets — eliminates the delays, disputes, and compliance gaps that cost organizations money.

Every vendor has a compliance profile with W-9, certificate of insurance, license information, and carrier-specific requirements. Documents stored with expiration dates and automatic renewal alerts.

Vendors submit invoices through a dedicated portal attached directly to the claim. Invoices route through configured approval workflows automatically.

Payments cannot be issued to vendors with expired compliance documentation. The system blocks the payment and identifies what document needs renewal.

Assign contractors to claims with defined scope, timeline, and budget directly from the claim file. Track assignment status from pending acceptance through completion.

Automated alerts fire 30 and 7 days before any vendor compliance document expires — sent to the vendor and your designated compliance contact.

Track response time, completion rate, invoice accuracy, and claim outcome correlation per vendor to inform future assignment decisions.

Build an approved vendor list by trade, territory, and carrier. Preferred vendors appear first in assignment recommendations.

Vendors see their payment status — approved, pending, issued — through the vendor portal without accessing any claim file information.

Reporting and Analytics

Claims leadership needs data that is current, not reports that were assembled last Tuesday. ECode Pro delivers live dashboards for every role in the organization and generates carrier-ready reports on demand.

Total active claims, cycle time averages, reserve totals, payment totals, compliance rates, and adjuster utilization — updated live as claims move. No scheduled refreshes.

Six distinct dashboard experiences — Owner, Director, Claims Manager, Team Lead, Desk Adjuster, and Field Adjuster — each showing exactly what that role needs to manage their work effectively.

Comparative performance reports across your adjuster team — cycle time, compliance rate, file completeness, supplement rate. Shareable with carrier clients as evidence of operational quality.

Configurable SLA tracking per carrier client. Reports generated in each carrier's required format with a single click.

Average days to close by adjuster, carrier, claim type, and time period. Trend analysis identifies whether cycle time is improving or deteriorating.

Track reserve development — how initial reserves compare to final payments — by adjuster, carrier, and claim type. Identify systematic under-reserving patterns early.

Track reopen rate by adjuster, closure reason, and claim type. Identify patterns that indicate quality control opportunities.

Build and save custom reports for any combination of metrics, dimensions, and date ranges. Schedule delivery to configured recipients automatically.