INDEPENDENT ADJUSTER CLAIMS SOFTWARE
One Claim for Every Carrier You Adjust For
VCA ClaimsCore is claims management software for independent adjusting firms. It routes daily and CAT assignments, carries each carrier client's rules onto the claim, and builds the invoice from the time and expenses already logged against it.
You are the one the policyholder meets when the promise is kept. VCA started with you: built from the claim up, by an adjuster, for the people who work the claim.
YOUR CARRIER CLIENTS
Set up once for Carrier A
- Fee Schedule
- Authority Limits
- Reporting Requirements
Applied to every claim assigned under that client
ONE CLAIM IN VCA CLAIMSCORE
Hail loss, assigned by Carrier A
- Site inspectionTIME
- Mileage to the lossEXPENSE
- Photos and reportTIME
- Roof measurementEXPENSE
Logged against the claim, by client, as the work happens
THE INVOICE
- Lines from the time and expense on the claim
- Carrier A's fee schedule applied
- Split between co-insurers where they share the loss
Every line traces back to work logged on the claim
THE PROBLEM IT SOLVES
An adjusting firm answers to every carrier it works for, each with its own rates, letters and authority limits. When a storm fills the queue, the week goes to rekeying assignments, chasing acknowledgments and rebuilding invoices by hand.
FROM THE ASSIGNMENT TO THE INVOICE
Daily work and CAT surge run the same path
An adjusting firm's job is coordination: staff and surge adjusters, and a carrier behind every assignment with its own standards. When a storm hits, the surge takes the same five steps as the daily queue, and a CAT claim team works it as one set.
WHERE EACH STEP RUNS
- The assignment landsFrom a carrier's system through VCA's API framework, from XactAnalysis, or entered at intake, every assignment is worked as a claim in ClaimsCore.
- It routes by your rulesAssignment rules send it by loss location, adjuster workload or client, or it is assigned by hand or from a queue, with reminders and calendar entries generated automatically.
- The claim is workedNotes, photos and time go on the claim as the work happens, through stages you define. The office sees where every claim sits on a live status monitor.
- Letters and reports go outFrom the acknowledgment on, they fill from the claim in Word, go out as one PDF with photos, and are emailed through your own mail server, logged to the claim.
- The invoice comes off the claimInvoicing reads the time and expense entries already on the claim. Nobody retypes the week to bill it.
Routing, letters and billing all read from the one claim, so a storm week is spent adjusting. See How ClaimsCore Works →
The Tools Around the ClaimXactAnalysisSymbilityCoreLogicHoverEncircleEvery Integration →
BILLING
How does logged time become the invoice?
When a carrier queries a line on the invoice, the answer is already in the claim record: the dated entry behind it and the adjuster who logged it.
- Un-Invoiced Hours by CarrierOne report groups outstanding hours by insurer and claim, so the office bills each carrier from one list.
- Fee SchedulesEach client's fee schedule is applied at invoicing, so the invoice matches the contract without a lookup.
- Co-Insurer SplitsWhen insurers share a loss, the invoice splits between them from the same entries.
See an invoice come off a claim with one carrier's fee schedule applied. Request a Demo →
EVERY CARRIER'S RULES
How do each carrier's standards reach the claim?
Each TPA or carrier client is set up once, with its fee schedule, its authority limits and the reporting requirements attached to them. When the surge brings on temporary adjusters, those settings already apply to every claim they open, so they work to the client's standards from the first assignment.
- Authority Limits per ClientA reserve above an adjuster's limit goes to an approver you choose, and every reserve movement is recorded: who made it and which fund account it came from.
- Adjuster License TrackingLicenses are tracked in ClaimsCore, so staffing out-of-state surge work starts from the licenses on record.
- Each Carrier's Terms on the ClaimEach loss type is set up with its own tabs and fields in the client's terminology, so a claim for one carrier reads the way that carrier's people read it.
A TYPICAL ADJUSTING FIRM PACKAGE
ClaimsCore, and What an Adjusting Firm Adds to It
ClaimsCore runs assignment, the claim work and the invoice on its own. A typical adjusting firm package adds VCA Insights, which compares programs, carriers and offices, tracks caseloads and first-contact and reporting deadlines against the thresholds you set, and sends scheduled reports and branded dashboards to each carrier. ClientPortal is added when a carrier client wants its own login to its claims.
By LineAuto Claims →Property Claims →Property and Casualty Claims →Marine and Cargo Claims →
Not Typical for This Seat
ClaimsCore is complete on its own. Each add-on joins it when the work needs it.
CLIENTPORTAL · ADD-ON
Each Carrier Sees Its Own Claims
Each carrier client gets its own branded login to the claims that concern it. Access is set by company, by claim and by tab, and internal notes and non-billable time stay off the portal. Clients upload documents, submit new claims and message the adjuster there.
BEFORE YOU SIGN
What to Settle Before You Switch
A firm that has switched systems before asks these first: how its open claims come across, how its data comes out, and what changes once it is live.
- Your Open Claims Come with YouData migration is its own phase of every implementation: open and historical claims move into ClaimsCore after discovery and configuration, and before training and go-live.How Migration Works →
- Your Claims Data, OutIf your firm runs its own data warehouse or BI tool, DataBridge, an add-on, delivers your claims data into it on a schedule you set. For the end of an agreement, get the format, timeline and cost of returning your data in writing, from every vendor you compare.What to Get in Writing →
- Your Setup, After Go-LiveSet up what the work needs at go-live and add the rest when a carrier asks for it. Your administrators change fields, rules, workflows and templates in the no-code admin console. Clients reach client services at clientservices
@vcasoftware.com .How Training Works →
WHY VCA
Why Adjusting Firms Choose VCA
For an adjusting firm each reason is a margin question: whether the vendor knows the work your adjusters do, how soon you are running on it, and what it costs to put in.
- Depth of Claims ExpertiseVCA has built claims software for more than 20 years and knows claims from every seat it works with: the carrier's standards, the adjuster's day and the invoice between them.
- Speed of ImplementationDiscovery comes first: VCA maps how your assignments, client rules and billing actually move before anything is configured. Then you are live in weeks, and file handlers typically learn the platform in about 30 minutes, because VCA sticks to the essentials of claims.
- Capital EfficiencyYour firm starts on ClaimsCore and adds a module when the work calls for one. The claims layer goes in beside the estimating and finance tools you already run.
An adjusting firm working livestock claims for carriers has run on VCA since 2009. Read the Livestock Adjusting Firm's Story →
Growing into TPA or program work? It runs on the same platform. TPA Operations → Lloyd's Market Work →
Questions Adjusting Firms Ask
Can VCA invoice carriers by fee schedule and by time and expense?
Yes. In VCA ClaimsCore, adjuster time and expense are tracked against each claim by client, and invoicing runs from those entries with the client's fee schedule and any co-insurer split applied.
Which assignment, estimating and field tools does VCA connect to?
Assignments arrive from XactAnalysis, the assignment and reporting network. Symbility covers the field estimate, and CoreLogic, Hover and Encircle cover the property record, measurements and field documentation. Claim financials go to Intuit QuickBooks, Sage or Bill.com.
Can we run a CAT deployment on VCA?
Yes. Each CAT claim carries its Cat Code and Treaty Year in the loss details, assignment rules route surge claims by loss location and adjuster workload, and a CAT claim team takes the surge assignments and searches them as one set. Temporary adjusters work under each carrier client's fee schedule and authority limits from their first claim.
How fast can an adjusting firm be live on VCA?
Every implementation starts with discovery: VCA maps how your claims actually move, from intake sources and assignment rules to authority levels and each client's reporting obligations, before anything is configured. On a Standard License, configured to your workflows, deployments then go live in 3 to 4 weeks. Enterprise License deployments run 8 to 16 weeks, and Carrier License deployments 12 weeks to 6 months. Which band applies is scoped at quote.
Can our adjusters work in French or Spanish?
Yes. The ClaimsCore interface runs in English, French or Spanish.
Does VCA handle workers' compensation claims?
No. VCA supports every property and casualty line, but not workers' compensation or health benefits claims, so a firm whose book is mostly workers' compensation is not the fit.
Does VCA ever adjust claims itself?
No. VCA builds the software your adjusters work in, and that is its whole business: it has no adjusting arm, no TPA division and no claims services business. Being a pure claims company, with no services arm competing with the people it serves, lets VCA stay on their side of the table.
Bring us a claim where the promise was hard to keep
Tell us how many carriers you adjust for, how the assignments arrive, and what a CAT week looks like. We'll show you where each of those runs in VCA, on a claim like yours.