CARRIER CLAIM PREVENTION > Claims Support
Claims Support
Chloeta offers specialized consulting services to support property and casualty carriers with claims validation and processing following wildfires and other catastrophic events. Leveraging extensive operational experience in emergency response and wildfire management, Chloeta provides on-the-ground assessments, high-resolution imagery analysis, and expert review of fire behavior and damage patterns. These services help carriers accurately determine the cause and extent of damage, validate claims, and identify potential fraud, ensuring fair and timely settlements for policyholders.
In addition to field assessments, Chloeta can assist carriers with post-event data analysis, geospatial mapping, and integration of third-party intelligence to create a comprehensive picture of impact zones. This actionable insight supports faster claims resolution, improved customer satisfaction, and more informed underwriting and risk modeling for future events.
Claim Validation
Following a wildfire or other all-perils event, Chloeta provides insurance carriers with claims validation support by leveraging verified data sources such as weather records, fire behavior modeling, satellite imagery, and incident reporting. Through the CAT Command Center (CCC), Chloeta can remotely analyze whether a claim aligns with documented fire activity, helping carriers determine claim legitimacy quickly and with confidence. For example, if a policyholder reports wildfire damage on a specific date, CCC analysts can cross-reference fire perimeter data and meteorological conditions to assess whether the property was within the affected zone at that time.
When field presence is needed, Chloeta deploys trained teams to impacted areas ahead of adjusters to collect site-specific evidence. This may include high-resolution photographs, drone imagery, and GPS-based geospatial verification to support or challenge the details provided in a claim. Chloeta also offers expert witness services in wildfire-related litigation, providing technical analysis and testimony to support carriers in legal proceedings where claim disputes arise.
Smoke & Ash
Smoke and ash damage claims are often difficult to validate due to their diffuse nature and the potential for overlapping sources. Chloeta supports property and casualty carriers in navigating these challenges by leveraging wildfire-specific expertise and advanced analytical tools. This includes using satellite-based remote sensing, thermal imaging, and air quality monitoring data to establish the presence, density, and movement of smoke plumes over time. For instance, particulate matter data combined with wind direction and burn intensity maps can help determine whether smoke exposure at a specific property was directly linked to a nearby wildfire event.
Chloeta also conducts on-site evaluations to document physical evidence of smoke and ash residue, such as surface discoloration, HVAC system contamination, or accumulation in attics and crawl spaces. These inspections may be supported by lab testing of collected samples to confirm wildfire-related chemical signatures. By integrating these data sources, carriers receive detailed and defensible assessments that aid in verifying smoke and ash claims, reducing the risk of overpayment while ensuring legitimate claims are handled accurately and efficiently.
Forensic Analysis
Chloeta offers comprehensive forensic support services to assist property and casualty carriers with claims processing and litigation following wildfires and other all-perils catastrophic events. This includes the expertise of on-staff forensic meteorologists who provide detailed reconstructions of weather conditions leading up to and during an event, helping to determine causation, timing, and severity of impact.
Chloeta's forensic team also analyzes fire progression, fuel conditions, and ignition sources using a combination of satellite imagery, GIS mapping, and historical incident data. These services support claims teams in validating losses and identifying potential subrogation opportunities.
In addition, Chloeta provides litigation support through expert reports, sworn declarations, and testimony, offering defensible technical insight into disputed claims or legal proceedings involving wildfire origin, spread, and weather influences.