Verify Claims Attachments Instantly: AI Matching of Claims Files with Reinsurance Treaty Layers — Built for the Layering Analyst

Layering analysts in Reinsurance and General Liability & Construction face a recurring, high-stakes question on every excess submission: does this claim truly pierce the attachment point? The answer sits across sprawling claims files, intricate layer schedules, and dense excess of loss treaties with nuanced attachment language and exceptions. It’s a painstaking, manual verification that can stall recoveries and expose carriers and reinsurers to leakage or disputes.

Doc Chat by Nomad Data eliminates this bottleneck. It reads the entire claim file and the entire tower—excess treaties, policy forms, endorsements, attachment point documentation, even bordereaux—and instantly cross‑maps underlying loss and expense movements against the treaty’s trigger language and layer definitions. In minutes, not days, the Layering Analyst receives a defendable, page‑cited determination indicating whether the claim attaches, where, and why.

The Nuance Layering Analysts Face in Reinsurance and GL & Construction

Verifying that a claim attaches to a specific reinsurance layer is never as simple as comparing a paid amount to an attachment point. In Reinsurance and GL & Construction, complexity multiplies across projects, policy years, and legal interpretations of “occurrence” and aggregation. A single construction defect matter can implicate multiple policy periods, per‑project aggregates, additional insured endorsements, and differing treatment of defense costs across primary and excess carriers. The Layering Analyst must reconcile it all against the reinsurance contract’s view of attachment, exhaustion, and proof of loss requirements.

Consider a GL tower on a wrap‑up (OCIP/CCIP) or a project‑specific program. The analyst must interpret whether indemnity and allocated loss adjustment expenses (ALAE) erode limits; whether erosion is vertical or horizontal; whether an SIR, deductible, or corridor applies; and how sublimits (e.g., products/completed operations) influence exhaustion. Add in claims‑made vs. occurrence triggers, batch or related claims provisions, and variations in occurrence definitions across primary, excess, and reinsurance layers—and the attachment question becomes a multi‑variable puzzle.

Now overlay the reinsurance nuances: losses occurring during vs. claims made during treaty periods, absolute vs. follow‑the‑fortunes/follow‑the‑settlements language, reinstatement provisions, occurrence or event hours clauses (if applicable), drop‑down mechanics, and the reinsurance contract’s own aggregation and deductible structure. The analyst has to adjudicate inconsistencies and concurrency gaps across contracts quickly and correctly.

How This Process Is Handled Manually Today

Today’s workflow is a marathon of cross‑referencing. Analysts pore through:

• Claims Files (FNOL forms, adjuster notes, medical reports, expert reports, defense invoices, settlement agreements, subrogation and lien correspondence, ISO claim reports, surveillance summaries, litigation pleadings, proof of loss packages)
• Layer Schedules (tower diagrams, attachment points, layer limits, coinsurance, corridors, reinstatement terms)
• Policy Forms & Endorsements (primary and excess forms, additional insured endorsements, per‑project aggregate endorsements, defense inside/outside limits, exclusions, products/completed operations endorsements, manuscript endorsements)
• Excess of Loss Treaties (definitions, occurrence/aggregation, drop‑down, follow‑the‑fortunes, LAE treatment, reporting and late notice provisions, coverage territories)
• Attachment Point Documentation (binders, slips, broker confirmations, amendments, endorsements, treaty change notices, bordereaux)

To determine whether a claim truly attaches, the analyst often builds an ad‑hoc spreadsheet to track indemnity vs. ALAE, identify what counts toward exhaustion, and test vertical/horizontal exhaustion across the tower. They reconcile paid to date with reserves, distinguish between allocated vs. unallocated expense, and verify if defense is inside/outside limits for every layer. They then verify if the reinsurance contract’s attachment differs from the underlying policy’s trigger and recalculate erosion accordingly. Every step requires reading, re‑reading, and page‑stamping proofs.

It’s slow. It’s fragile. And it is where leakage and disputes originate—especially under time pressure or with unfamiliar manuscripts and legacy program structures.

Common Failure Modes That Drive Leakage and Disputes

When attachment verification lives in spreadsheets and memory, even the best teams encounter blind spots:

• Misdirected erosion logic: Treating defense as eroding limits when it does not (or vice versa), or misclassifying ALAE vs. ULAE in the erosion test.
• Horizontal vs. vertical exhaustion mistakes: Misapplying exhaustion across multiple primaries or across project‑specific aggregates.
• Overlooking sublimits and corridors: Not capturing products/completed ops sublimits, project aggregates, or corridor deductibles that change the exhaustion math.
• Aggregation errors: Failing to apply batch/related claims provisions consistently across years or layers.
• Trigger mismatches: Underlying policies are occurrence‑based while reinsurance is losses‑occurring‑during or claims‑made; proofs of loss don’t align to the treaty trigger.
• Ambiguous occurrence counting: Treating multiple injuries or defects as a single occurrence without support—or vice versa—affecting the attachment threshold.
• Reinstatement oversights: Missed premium calculations or misapplied reinstated limits affecting available capacity.
• Inadequate citation: Positions are not backed by page‑level references to policy, treaty, endorsement, or invoice pages, undermining negotiations and audits.

Each error can delay recoveries, trigger disputes, or lead to overpayment/under‑collection. The Layering Analyst needs repeatable accuracy, backed by citations, at speed.

Automate Excess Claim Layer Verification with Doc Chat

Doc Chat by Nomad Data is purpose‑built for high‑volume, high‑complexity document work in insurance and reinsurance. It ingests entire claim files and contract sets—thousands of pages at once—and automatically extracts and crosschecks attachment points, layer limits, erosion rules, occurrence definitions, and expense treatments. It then matches claim activity to layer triggers with clear, page‑cited evidence. In other words, it does what expert analysts do—just faster, consistently, and at any volume.

How it works for the Layering Analyst:

1. Ingest the full file: claims materials, Layer Schedules, Excess of Loss Treaties, Attachment Point Documentation, policy forms, endorsements, bordereaux, loss run reports, invoices, and correspondence.
2. Normalize the tower and treaty: Doc Chat reads manuscript language to understand LAE treatment, sublimits, SIRs/deductibles, corridors, reinstatements, batch/related claims, and trigger definitions.
3. Extract & attribute every relevant number: indemnity paid, ALAE, ULAE, reserves, reimbursements, subrogation recoveries, and offsets, identifying what counts toward exhaustion for each layer.
4. Cross‑map claim activity to layer math: apply vertical/horizontal exhaustion logic, per‑project aggregates, and occurrence/batch determinations as defined in the program and treaty.
5. Produce an Attachment Verification Sheet: a defendable, audit‑ready summary with page‑level citations that shows the status of each layer, whether and where the claim attaches, and the recommended recoverable amount.

With Doc Chat, you can ask questions in real time—even across 10,000+ pages—and get instant answers with source citations:

• “List the attachment points for each layer in the tower and confirm whether defense costs erode limits for each layer.”
• “Has the primary per‑project aggregate exhausted? Show the evidence and running total by date and invoice.”
• “Does this claim attach to the 10x10 layer? If yes, as of which payment and amount, and provide page cites.”
• “Identify any corridor deductibles or reinstatement premiums that impact this claim’s eligibility for reinsurance recovery.”

AI for Validating Claim Attaches to Reinsurance Layers—With Page‑Level Proof

If your high‑intent need is “AI for validating claim attaches to reinsurance layers,” Doc Chat was built for it. The system creates a layer‑by‑layer ledger that shows how indemnity and ALAE contribute to exhaustion. It recognizes differences between primary and excess forms, and reconciles those with reinsurance contract wording. For the Layering Analyst, this translates into instant clarity—who owes what, when, and why.

Match Claim Amount to Excess Treaty Automatically—Even on Edge Cases

“Match claim amount to excess treaty automatically” is more than a slogan. Doc Chat handles the non‑standard realities that make manual work so slow:

• Claims‑made vs. occurrence: checks treaty trigger alignment against underlying policy triggers and incident timelines.
• Batch/related claims: applies aggregation/batching rules and shows how grouping changes exhaustion math.
• Defense inside/outside: attributes LAE correctly by layer; respects ALAE vs. ULAE distinctions where applicable.
• Per‑project and per‑location aggregates: cross‑references project identifiers, certificates of insurance (COIs), and endorsements to confirm aggregation buckets.
• Reinstatements: calculates available capacity and premium obligations when limits are restored.
• Offsets and recoveries: recognizes subrogation, salvage, and deductibles/SIRs to net properly against attachment tests.

What Doc Chat Extracts and Crosschecks From Documents

Doc Chat does more than OCR. It understands insurance semantics and the subtle interplay among contracts. Out of the box, it can extract and cross‑validate:

• From Claims Files: FNOL details, loss descriptions, dates of loss and tender, adjuster notes, medical summaries, expert evaluations, defense invoices, indemnity payments, ALAE/ULAE, reserves, settlement terms, lien/subrogation notices, ISO claim reports, litigation pleadings, proof of loss items, bordereaux entries, large loss notices.
• From Layer Schedules: attachment points, limits, coinsurance percentages, participating markets, concurrency notes, drop‑down provisions, reinstatement terms, aggregate caps, per‑project markers, annualization, layer shares.
• From Policy Forms & Endorsements: occurrence/claim triggers, definitions, exclusions, products/completed ops aggregates, per‑project aggregate endorsements, additional insured endorsements (e.g., completed ops), defense inside/outside provisions, batch/related claims clauses, manuscript endorsements impacting exhaustion.
• From Excess of Loss Treaties: treaty period and trigger (LODE/CM), follow‑the‑fortunes/settlements language, occurrence/event definitions, hours clauses (if applicable), LAE inclusion rules, attachment, drop‑down, reinstatements, corridors/deductibles, notice/reporting obligations, proof of loss requirements.
• From Attachment Point Documentation: binders, slips, broker confirmations, coverage change notices, treaty amendments, side letters, and bordereaux that reconcile to the program.

Automate Excess Claim Layer Verification—From Triage to Recovery

If your team is searching to “automate excess claim layer verification,” Doc Chat gives you an end‑to‑end, defensible workflow:

1. Triage: Within minutes of file intake, receive a summarized, cited view of the claim and a preliminary attachment analysis for each layer.
2. Completeness checks: Doc Chat flags missing invoices, endorsements, or treaty pages that are essential to the attachment test.
3. Attachment Verification Sheet: Automatically generated, customized to your format, including rolling erosion calculations by layer and date.
4. Recovery package assembly: Compile proofs of loss for reinsurers with citations to specific policy/treaty pages and payment records.
5. Ongoing monitoring: As payments/reserves change, refresh the attachment status instantly without re‑reading the file.

Extract and Crosscheck Attachment Points AI—At Portfolio Scale

You can point Doc Chat at an entire book and “extract and crosscheck attachment points AI” across every claim file and treaty set. It scales to process thousands of pages per minute, automatically populating your bordereaux and exception reports. Use it to identify claims approaching attachment so you can prioritize what to bill—and surface outliers where endorsement language might require legal review.

Workflow Designed for Layering Analysts, Reinsurance Claims, and Ceding Teams

Doc Chat meets teams where they work. Analysts can drag‑and‑drop documents for immediate answers or connect Doc Chat via API to your claims platform, reinsurance administration system, or data warehouse. It outputs structured fields—attachment points, limits, exhaustion status, ALAE inclusion, reinstatement utilization—directly into your worksheets or bordereaux format.

Because every answer includes page‑level citations, supervisors, auditors, and counterparties can verify the result in seconds. That transparency speeds consensus and reduces back‑and‑forth with reinsurers, brokers, TPAs, and coverage counsel.

Business Impact: Time, Cost, Accuracy, and Cash Flow

The Layering Analyst’s mission is precise, defensible answers—fast. Doc Chat delivers measurable impact:

• Cycle‑time reduction: Reviews that once took 4–12 hours per claim compress to minutes, freeing analysts to handle more files and expedite recoveries.
• Lower LAE: By automating data gathering and math checks, teams reduce reliance on external consultants and overtime.
• Accuracy uplift: The AI reads every page with equal focus, catching sublimits, corridors, and manuscript nuances humans often miss at scale.
• Leakage control: Correct LAE treatment, proper aggregation, and precise exhaustion prevent overpayment or missed recoveries.
• Cash flow acceleration: Faster, fully‑documented attachment proofs mean faster reinsurance reimbursement.
• Auditability: Page‑cited outputs streamline reinsurer queries and regulatory or internal audits.

In production with large claims organizations, we routinely see backlogs vanish, attachment disputes drop, and staff redeployed from manual reconciliation into higher‑value tasks like negotiation and strategy. These outcomes echo lessons we shared in our webinar on accelerating complex claims with GAIG and in our perspective on AI‑driven claims transformation.

Why Nomad Data’s Doc Chat Is the Best Fit for Layer Verification

Doc Chat isn’t generic OCR or a consumer chatbot. It is a suite of purpose‑built, AI‑powered agents trained on insurance documents, tuned to your program structures, and aligned to your playbooks. Several capabilities set it apart for reinsurance and GL & Construction layering work:

• Volume without headcount: Ingests entire claim files and contract sets—thousands of pages—in minutes.
• Complexity mastery: Finds exclusions, endorsements, trigger language, and subtle manuscript hooks buried inside dense, inconsistent policies and treaties.
• The Nomad Process: We train Doc Chat on your playbooks, definitions of exhaustion, layer math conventions, and portfolio idiosyncrasies to deliver a personalized solution that mirrors your team.
• Real‑time Q&A: Ask for an attachment determination across the full file and get an answer with page citations—instantly.
• Complete and consistent: Surfaces every reference to coverage, liability, damages, ALAE rules, and layer triggers to eliminate blind spots and leakage.

Equally important, Nomad Data pairs software with service. Our white‑glove onboarding captures the unwritten rules of your best analysts and encodes them into the system. Most customers are live in a 1–2 week implementation timeline, often starting in low‑integration “drag and drop” mode and scaling to API‑level automation as comfort grows. Learn more or get started here: Doc Chat for Insurance.

Implementation: Fast, Guided, and Low‑Friction

We’ve standardized a rapid, low‑risk path to value:

1. Discovery workshop (day 1–2): Review your layer verification steps, exception scenarios, preferred outputs, and bordereaux formats. We align on edge cases (e.g., batch rules, defense treatment, reinstatements).
2. Playbook encoding (days 3–7): Nomad translates your attachment logic and document taxonomy into Doc Chat presets and verification worksheets.
3. Pilot and calibration (days 7–10): Run your real claims, treaties, and schedules through Doc Chat; compare outputs to known determinations; tune where needed.
4. Go‑live (days 10–14): Expand to additional analysts and claims; optionally integrate with claims or reinsurance admin systems using modern APIs.

This approach reflects the new discipline we outlined in Beyond Extraction: automating not just data capture but the inference work that drives attachment decisions.

Security, Compliance, and Audit‑Readiness

Reinsurance files contain sensitive personal and commercial information. Nomad Data is SOC 2 Type II certified and built for enterprise governance. Doc Chat keeps a clear audit trail: every answer includes sources, timestamps, and the version of the logic preset used. Outputs stand up to reinsurer scrutiny, internal QA, and regulatory review. For more on our enterprise‑grade design, see how clients leverage Doc Chat beyond summaries in The End of Medical File Review Bottlenecks and our perspective on AI’s Untapped Goldmine: Automating Data Entry.

What a Day in the Life Looks Like With Doc Chat

Imagine the inbox of a Layering Analyst at a reinsurer or ceding carrier:

9:00 AM — You receive a 2,800‑page claim submission for an alleged construction defect with payments across three policy years. You drop the claim file, layer schedule, excess treaties, and attachment point documentation into Doc Chat. By 9:05, you have a cited summary and an Attachment Verification Sheet showing how indemnity and ALAE erode each layer, how batch clauses apply, and whether the 10x10 layer attaches.

9:10 AM — You ask, “Does defense erode limits for Layer 2? Show the language.” Doc Chat returns the endorsement page and the treaty’s LAE treatment side‑by‑side, explaining the interplay.

9:20 AM — You ask, “Do reinstatements change available capacity?” Doc Chat highlights the reinstatement terms, calculates remaining capacity, and estimates the reinstatement premium impact.

9:30 AM — You export the verification to your bordereaux feed, attach the proof of loss with citations, and send it to your reinsurance counterpart. You’re done before coffee cools.

From Exceptions to Edge Cases: How Doc Chat Holds Up

Real claims rarely fit textbook patterns. Doc Chat is engineered for the messy middle:

• Multi‑year allocations: It apportions by date of loss and policy period; tracks which year’s aggregate erodes; and cites every assumption.
• Multiple insureds and AI endorsements: Recognizes additional insured endorsements and per‑project distinctions; ties payments back to the correct aggregation bucket.
• Underlying insolvency or drop‑down: Surfaces drop‑down provisions and insolvency language that may shift exhaustion mechanics.
• Late notice and reporting: Flags notice clauses and timing requirements in both the policy and the treaty; cites whether conditions precedent are satisfied.
• Settlement structure: Distinguishes indemnity vs. expense within complex settlement packages; ensures correct erosion where defense is inside/outside limits.

Because every determination is backed by citations, coverage counsel and counter‑parties can trace the logic quickly, reducing contention and rework.

Proof at Scale: Portfolio and Program Views

Doc Chat’s portfolio view lets you see, at a glance, which claims are approaching or have pierced attachment. Filter by program, project, geography, policy year, or treaty. Export a “pending recoveries” list with proof packets pre‑assembled. Identify patterns in disputes—e.g., recurring manuscript language in a broker’s slips—and resolve them proactively in renewal negotiations.

What Customers See in the Numbers

Across insurers and reinsurers, we consistently observe:

• 70–95% time savings on attachment verification tasks.
• 30–50% fewer disputes over attachment due to page‑cited outputs and consistent logic.
• Faster cash recovery from reinsurers as complete, defendable proofs go out earlier.
• Reduced LAE by cutting outside consulting and overtime tied to file mining.
• Measurable leakage reduction by capturing sublimits, corridors, and LAE rules precisely.

These gains align with outcomes reported in our clients’ broader use of Nomad’s platform for complex claims, as highlighted in the GAIG webinar and our article on reimagining claims processing.

From Manual to Modeled: Institutionalizing Best Practices

Much of an expert Layering Analyst’s job lives in memory—unwritten rules for how a specific program handles LAE, the quirks of a manuscript endorsement, or the preferred approach to batch. Doc Chat institutionalizes that expertise. We encode your logic into presets and verification worksheets so that every analyst, veteran or new, follows the same steps and produces the same defendable outcome.

This is exactly the shift we describe in Beyond Extraction: document work isn’t about pulling fields; it’s about replicating judgment. With Doc Chat, your unwritten rules become operational software—consistent, explainable, and scalable.

How Teams Use Doc Chat Across the Reinsurance Lifecycle

Attachment verification is only one point where Doc Chat streamlines reinsurance operations:

• Pre‑bind diligence: Rapid policy and treaty reviews to confirm alignment of triggers, LAE treatment, and aggregation before incepting a program.
• Mid‑term monitoring: Automated checks of bordereaux and large loss notices to forecast attachment risk and inform reserving.
• Recovery packaging: Pre‑assembled, page‑cited recovery packets for reinsurers and retro markets.
• Audit readiness: On‑demand transcripts of how each attachment decision was made, including all citations.

Get Started in Days, Not Months

If you’re evaluating tools to “match claim amount to excess treaty automatically,” the fastest way to validate fit is to see your own files in Doc Chat. Our 1–2 week implementation gets you hands‑on quickly. Most customers start with drag‑and‑drop trials, move to automated reports for analysts, and then integrate outputs directly into claims and reinsurance admin systems as volume grows.

Ready to turn days of verification into minutes—and to do it with page‑level proof? Visit Doc Chat for Insurance and ask us to run your most complex tower.