MAJOR CARRIERS
(For carriers, MGAs, TPAs, and large property programs)

1. Hero
   Cleaner files. Lower leakage. A workforce that doesn’t churn.
   Kreative Imaginings gives carriers and their partners a retention layer that protects claim quality, reduces fraud-related payouts, and keeps independent firms aligned with your expectations.

2. The Carrier Problem
   Carriers don’t just need “bodies on claims.” You need consistent, evidence-based adjusting that stands up to audit.
   What breaks that? Adjuster turnover at the firm level. Every time an IA firm has to re-staff, you get:

• Inconsistent estimating

• Incomplete documentation

• Premature coverage commitments

• Missed photos and measurements

• Higher leakage
  You end up paying for training you never asked for.

3. Our Position to Carriers
   We don’t replace your firms. We make your firms better.
   We insert a retention and engagement solution inside the firm’s talent model so they can keep the qualified adjusters you prefer. That stability shows up in your KPIs.

4. What You Get
   a. Leakage Reduction
   Up to 10% of P&C claims show fraud or leakage indicators. We reduce upstream causes (bad photos, bad measurements, incorrect fact patterns, premature coverage) by keeping experienced adjusters cycling back into your files instead of losing them to turnover.

b. Consistency Across Vendors
When multiple IA firms are all running their own version of “we’ll call you when we need you,” your claim experience is fragmented. We standardize readiness, engagement, and training so the people touching your files are operating at a higher baseline.

c. Data & Reporting
You can see:

• Which firms are retaining talent

• Which firms are keeping adjusters deployment-ready

• Which segments of claims have the highest rework/revision

• Which causes of slippage are most common (photos, measurements, coverage, documentation)
  This turns quality management from reactive to preventive.

d. Better Vendor Conversations
Now your vendor managers can say, “This is the retention and engagement profile we need from you if you want to stay on our panel.” You’re not just judging firms on output; you’re judging them on how they manage the people creating the output.

5. Why Now

• Competition for experienced adjusters has increased.

• Claims complexity has increased (catastrophic weather, litigation, public adjusters).

• Carriers are being judged on speed and fairness at the same time.

• That requires adjusters who know your rules, know your appetite, and don’t need to be re-trained every 60 days.

6. Strategic Programs You Can Pilot with Us

• Embedded claims workforce as a service
  “Rent” a vetted, engagement-backed adjuster pool on-demand.

• AI-enabled estimating/inspection QA
  Human-trained AI to re-check high-risk files.

• Cross-sector redeployment
  Use the same field talent for disaster, real estate, or verification work tied to your policies.

• Credential-backed placement
  Only use adjusters with verified, portable, performance-based credentials.

7. Message to Carriers
   You are already paying for claim leakage.
   You are already paying for rework.
   You are already paying for vendor inconsistency.
   This is the first part of the chain you can actually control: keep the good adjusters inside the firms that serve you.

8. CTA
   Let’s review your current IA panel and identify where you’re losing money to churn and leakage. We can start with one firm, one market, or one line of claims.