BI identified at FNOL

Business interruption identified at first notification — before a loss adjuster is instructed and before the indemnity period starts running unchecked. Industry data suggests BI claims settled with early identification close 30–40% faster, directly reducing indemnity period spend.

AA exposure contained from day one

Alternative accommodation costs are almost impossible to challenge once committed. Flagging AA need at FNOL and handing off to AAIQ immediately means a spend limit is set before a single night is booked — not after three weeks of receipts have accumulated.

Routing quality downstream

Cause, severity, habitability and welfare flags captured at FNOL feed directly into RouteIQ. A poor FNOL capture means RouteIQ scores on incomplete data — increasing the chance of a wrong routing decision and its cost consequences.

Loss adjuster fee avoidance

When a handler is unsure whether to handle a claim in-house or appoint a specialist, the default in most teams is to appoint — it feels safer. RouteIQ's 14-factor scoring provides a defensible Handle In-House recommendation, giving handlers the confidence to retain the claim. A loss adjuster instruction typically costs £800–£2,500 in fees alone, before any supplementary charges. Every justified HIH outcome is a fee avoided.

Correct escalation when it matters

The cost of under-routing is worse than over-routing. A complex claim handled in-house that should have been escalated risks poor settlement, increased leakage, and potential complaints or litigation. RouteIQ's hard overrides — fatality, fraud indicators, reserve above £100k — ensure these claims are never handled in-house regardless of handler confidence level.