Carriers
Each carrier's portal is a black box. We model it with two numbers — our response SLA and the carrier's observed desk-audit turnaround — and clock every estimate against them.
5 carriers
| Carrier | Portal | Our SLA | Audit window | O&P cap | Rules | Open | Notes | |
|---|---|---|---|---|---|---|---|---|
| Allstate | Carrier portal | 4d | 6d | 10/10 | 1 | 2/2 | Frequent pricing disputes; verify unit costs to PL. | |
| NFIP (WYO) | NFIP Direct | 7d | 8d | n/a | 1 | 1/1 | Flood — no O&P; strict documentation; long turnarounds. | |
| State Farm | XactAnalysis | 3d | 3.5d | 10/10 | 1 | 0/3 | Tight O&P scrutiny; wants photo justification per challenged item. | |
| Travelers | XactAnalysis | 4d | 4d | 10/10 | 1 | 2/2 | Strict on duplicate lines and scope. | |
| USAA | XactAnalysis | 5d | 5d | 10/10 | 1 | 2/2 | Code-upgrade friendly; slow desk audits during CAT. |
Why two clocks
● ball-in-court model
When GRS submits, the ball moves to the carrier and we measure elapsed time against that carrier's typical desk-audit turnaround — if it's exceeded with no return, that's the signal to call the adjuster. When the auditor returns a revision, the ball moves back to us and the same elapsed clock now runs against our internal response SLA, because submitting late is what stalls payment. One estimate, two alternating clocks, never silent.
drives: triage sort · overdue counts · next-best-action