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Insurance regulation

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Consumer complaint review

Insurance regulation

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In production

Every complaint in one case,

checked against the rules.

Letters, emails, photos and portal submissions land in one case. BEACON reads them, checks the facts against claims-handling rules and shows which issues are rising across carriers, producers and products.

The question

Which complaint issues are rising this quarter?

Who asks it

Consumer services managers and analysts

Engines used

FINDADAPTRENDER
beacon / complaints / CS-2291
CS-2291 · Claim delay · Northwind Casualty12 documents
Timeline checked against claims-handling rules
Claim reportedAug 2Day 0
Claim acknowledgedAug 29Late · 15-day rule
Inspection completedSep 20Met
PaymentPending 74 daysLate · 30-day rule
Resolved$13,850paid to the consumer after the inquiry
Pattern41 claim-delay complaints against this carrier this quarter

The issue

Complaints arrive in pieces

and get read one at a time.

Documents scattered across inboxes

One complaint arrives by letter, email and portal, with photos and claim files attached separately.

Rules checked from memory

Analysts look up timelines and claims-handling rules for each complaint by hand.

Patterns stay hidden

The same issue at the same carrier shows up in dozens of cases before anyone connects them.

One complaint, six toolsA typical review today
EmailRead the consumer’s letter
Shared driveFind the attachments
PDF viewerRead the claim file
StatutesLook up the rules
SpreadsheetTrack the issue
Case systemRe-key it all by hand
With BEACON: one caseDocuments, timeline, rules and the carrier’s response live in one place.

What we built

From first letter to resolution,

in one case.

1Gather

Every document gathered into one case.

Letters, emails, photos and portal submissions are read and attached to one case, with the consumer, carrier, policy and claim filled in.

  • Portal, email and mail in one intake
  • Policy and claim numbers pulled from the documents
  • Duplicate submissions merged
2Check

The facts checked against your rules.

BEACON builds a timeline from the documents and checks it against claims-handling rules, so analysts see which rules may have been missed.

  • Timeline built from the dates in every document
  • Rules for acknowledgment, investigation and payment checked
  • Each finding linked to the document it came from
3Spot

Rising issues, by carrier and product.

Complaints are grouped by issue across carriers, producers and products, so a pattern shows up in weeks, not years.

  • Issues tagged the same way by every analyst
  • Trends by carrier, line and region
  • Alerts when an issue rises above its usual level
4Resolve

Your analyst resolves it.

Analysts send inquiries to the carrier, track responses and close the case. Every outcome feeds the reports leadership sees.

  • Inquiry letters drafted from the findings
  • Responses tracked against your deadlines
  • Recoveries and outcomes reported by carrier
beacon / complaints / intake
3Channels, one case
12Documents
0Re-keyed
CS-2291 · documents
Consumer letter · by mailRead
Denial letter · by emailRead
Photos of the damage · portalAttached
Claim file · from the carrierRequested
Gathered12documents in one case
beacon / complaints / CS-2291
Timeline checked against claims-handling rules
Claim reported · Aug 2Day 0
Claim acknowledged · Aug 29Late · 15-day rule
Inspection completed · Sep 20Met
Payment · pending 74 daysLate · 30-day rule
Findings2rules that may have been missed
beacon / complaints / trends
Recurring issues · last 90 days
Claim delay over 30 days41
Non-renewal notice timing18
Total-loss valuation12
Premium increase at renewal9
Rising41claim delays this quarter
beacon / complaints / resolution
Inquiry sent to Northwind CasualtySent by D. Wright
Carrier responseReceived · day 12
Payment issued to the consumer$13,850
Case closedClosed by D. Wright
Resolved$13,850paid to the consumer

Engines used

Three of BEACON’s five engines,

configured for complaints.

FIND

Reads every document

Pulls names, dates, policy and claim numbers out of letters, emails, photos and forms.

ADAPT

Checks the rules

Applies your claims-handling rules to each case’s timeline and flags what was missed.

RENDER

Shows the patterns

Case views for analysts, and issue trends by carrier and product for leadership.

More in Insurance regulation

Other questions
BEACON answers.

Bring a month of complaints.

We’ll show you the patterns.

We’ll load a sample of your complaints and walk through the first findings with your team in a working session.