The examiner pulls
A sample of claim files and checks each for statutory deadline compliance and complete documentation.
Solutions · For Carriers
Built for what Florida carriers actually need
Compliance, speed, and proof in one workflow layer your adjusters and partners can actually use.
OIR readiness
What happens in a market conduct exam.
FLOWS makes every claim file examiner-ready, without anyone doing extra work.
They look for
Missed acknowledgment windows, late inspections, pay/deny overruns, and gaps in the audit trail.
A violation costs
$1,000 to $1,500 per finding under FAC 69O-142.011, multiplied across every flagged file.
Return on investment
The numbers, side by side.
Without FLOWS
×22.3-day average claim cycle(J.D. Power 2024)
×$40–$60 per claim to process manually(Deloitte 2022)
×30–40% of adjuster time on admin tasks(McKinsey)
×2% manual processing error rate(Accenture 2023)
With FLOWS
✓46% faster with digital submission
✓Under $20 per claim with automation
✓Adjusters focus on claims work, not rekeying data
✓0.3% automated error rate
White-label
Your adjusters. Your logo. Powered by FLOWS.
The claims adjuster portal, branded entirely as the carrier's own. Their adjusters, their logo, their claimants, with the FLOWS workflow layer running underneath.
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Make every claim examiner-ready.
Fla. Stat. §627.70131 compliance, automatic on every claim. See it on your book.