By Kat Kennedy
Introduction: The Evolving Landscape of Insurance Risk
The insurance industry stands at a pivotal moment, shaped by the increasingly evident effects of climate change. Severe weather events such as hurricanes, wildfires, floods, and polar vortexes are occurring with greater frequency and intensity. These catastrophic occurrences not only damage properties and displace communities but also exert unprecedented pressure on insurance carriers.
As the volume and complexity of claims increase, carriers are compelled to reassess their traditional approaches. Handling large-scale, multifaceted claims quickly, accurately, and compassionately has become a strategic necessity. In this climate of heightened risk and evolving expectations, carriers must rely on specialized partners capable of navigating the chaos with precision and reliability.
Climate Change and Rising Loss Ratios
Geographic hotspots such as California and Florida now symbolize the frontlines of climate-induced disasters. Wildfires rage through residential zones, hurricanes breach coastal defenses, and floods reach once-safe inland areas. The result? An exponential rise in property damage and insured losses.
For carriers, this trend translates into rapidly escalating loss ratios. High loss ratios strain profitability and challenge underwriting practices. Carriers must balance risk selection with affordability while maintaining the confidence of policyholders and reinsurers alike. As claims become more complex due to overlapping causes and extensive property damage, carriers require sophisticated solutions that go beyond traditional adjusting services.
The Financial Toll: Reinsurance and Cost Pressures
One of the most significant ripple effects of climate volatility is the skyrocketing cost of reinsurance. Global reinsurers, facing similar risks, are adjusting their models, reducing capacity in high-risk zones, and raising premiums. Carriers now find themselves under immense pressure—not just from rising claims but also from constrained reinsurance markets and tightening capital requirements.
This double bind intensifies the need for strategic claims management. Efficient and accurate large loss claims handling becomes not just an operational concern but a financial imperative. Carriers need a trusted partner with deep expertise in restoration, robust CAT response capabilities, and the ability to execute with speed and integrity. That’s where CORE Group enters the picture.
The Role of Third-Party Administrators in Today’s Claims Ecosystem and How CORE’s Model Differs vs Franchises
As insurance claims become increasingly complex, insurance carriers are turning to third-party administrators (TPAs) to enhance scalability, boost efficiency, and access specialized claims expertise. TPAs today are no longer just back-office processors—they have evolved into strategic partners who help carriers navigate large loss and catastrophe claims while ensuring regulatory compliance and consistent service.
CORE Group exemplifies this evolution, standing apart as a premier Restoration TPA. Recognized as the #1 TPA by the RIA Scorecard for the past three consecutive years, CORE combines operational excellence with a unique service model. Unlike traditional TPAs, CORE’s national contractor network is carefully curated and vetted to deliver elite, white glove service at every claim touchpoint. This commitment to premium service enhances the policyholder experience and reflects positively on carrier brands.
CORE’s approach ensures that claims are resolved swiftly and professionally, with craftsmanship and compassion. For carriers facing increasing pressure from climate-driven events, this level of performance is not just valuable—it’s essential.
Introducing CORE Group: A Restoration-Focused TPA Hybrid Model of Independent Contractors
CORE Group distinguishes itself by focusing exclusively on white glove property restoration claims. Unlike generalist TPAs, CORE’s niche expertise allows it to handle the most challenging insurance scenarios with discipline and customer service. The company offers a full-service platform that merges innovative technology, a seasoned field network, and deep restoration acumen.
At the center of CORE’s carrier partnership strategy is myself, Kat Kennedy, Sr. Director of National Accounts, where I play a pivotal role in strengthening carrier relationships and ensuring alignment with client goals across all phases of claims lifecycle.
How CORE Group Handles Complex Insurance Claims
Handling complex claims requires a structured, responsive, and transparent workflow. CORE Group’s approach begins with immediate assignment of expert field contractors, coordinated through a proprietary claims management platform. Each claim is tracked in real-time, enabling carriers to monitor progress, documentation, and financials at every stage.
By integrating on-the-ground expertise with centralized oversight, CORE ensures accuracy and consistency in large loss handling. Field teams are trained to prioritize policyholder experience while adhering to carrier-specific guidelines and SLAs. The result: faster resolution times, lower leakage, and enhanced trust between the carrier and policyholder.
Partnering for Catastrophe Response
When disaster strikes, speed and coordination can make all the difference. CORE Group’s catastrophe (CAT) response team is built to mobilize quickly and scale efficiently across disaster zones. With a proven track record during events like hurricanes, winter storms, and wildfires, CORE ensures continuity and quality in claims handling—even during peak surges.
The company’s logistical readiness and established network of restoration professionals enable rapid deployment, triage, and follow-up. CORE understands that every hour counts, and its CAT response model is designed to minimize disruption, preserve property value, and support carriers in exceeding policyholder expectations by assembling a network of restorers fast.
Compliance, Quality, and Claims Integrity
In a heavily regulated industry, maintaining compliance is non-negotiable. CORE Group operates with strict adherence to carrier-specific Service Level Agreements (SLAs), state insurance regulations, and data handling protocols. Every claim is subject to rigorous internal checks that ensure documentation integrity, proper estimation, and regulatory alignment.
Quality assurance is embedded at every level—from initial intake to final reporting. CORE also supports carrier audits and implements robust fraud prevention techniques. This meticulous approach to compliance and integrity builds confidence among carrier partners and strengthens long-term relationships.
Integration with Carrier Systems and Data Flow
Efficiency in claims handling today hinges on seamless information flow. CORE Group integrates directly with carriers’ claims management systems through robust APIs and secure data connections. This ensures a continuous stream of real-time information, eliminating manual updates and enabling proactive decision-making.
Carriers benefit from access to custom dashboards that showcase performance metrics, claim status, and key financial indicators. With full transparency and real-time visibility, carriers can monitor outcomes, identify trends, and take corrective action with minimal friction.
Enhancing Policyholder Experience
In the wake of a disaster, policyholders need more than just compensation—they need clarity, empathy, and timely updates. CORE Group places a strong emphasis on delivering a streamlined, respectful, and communicative claims process. From the first touchpoint to final settlement, the company ensures that policyholders feel informed and supported.
By leveraging user-friendly technology and empathetic field engagement, CORE minimizes friction and anxiety for homeowners dealing with loss. This approach not only boosts customer satisfaction but also enhances the brand reputation of the carrier, reinforcing trust during critical moments.
Insights from the Field: Case Studies and Outcomes
CORE Group’s impact is best illustrated through its successful partnerships with carriers navigating complex and large loss scenarios. In one case, a major wildfire in California required rapid mobilization of field teams and restoration specialists. CORE’s swift action helped a carrier address the Palisades region, saving significant time and cost.
These case studies underscore CORE’s ability to operate under pressure while upholding quality and compliance. Carriers benefit from quantifiable metrics—reduced cycle times, improved documentation quality, and fewer re-opened claims—proving the value of a restoration-focused TPA partnership.
The Future of Claims in a Climate-Impacted World
As climate risks become more severe and unpredictable, claims management must evolve accordingly. CORE Group continues to invest in innovation, automation, and training to meet the challenges of tomorrow. This includes predictive analytics for resource allocation, AI-enhanced documentation tools, and expanded CAT response networks.
Carriers that proactively align with partners like CORE are better positioned to manage emerging risks, control loss severity, and exceed customer expectations. It’s not just about reacting to disasters—it’s about building a resilient, responsive claims infrastructure for the future.
Why Leading Carriers Choose CORE Group
Top-tier insurance carriers such as Join The Club and Premium Home Insurance Provider | Openly choose CORE Group as a preferred partner for large loss and catastrophe claim handling. These long-standing partnerships are built on shared values—precision, responsiveness, and integrity. CORE aligns with carriers’ strategic goals, helping them manage risk more effectively, streamline operations, and deliver superior customer experiences.
With a restoration-first philosophy and a collaborative onboarding process, CORE becomes a true extension of the carrier’s team. Whether it’s responding to disasters or optimizing day-to-day claims, carriers trust CORE to deliver consistent, high-quality results.
Getting Started with CORE Group
Partnering with CORE Group is a seamless process designed to minimize disruption and maximize results. From the initial consultation to full integration, CORE works closely with carrier teams to understand their unique needs and deliver tailored solutions. Whether you’re seeking to augment your claims infrastructure or improve your CAT response capabilities, CORE is ready to engage.
Learn more and connect with our team of experts at: Property Restoration Claims for Insurance Professionals | CORE
Conclusion: Empowering Carriers for Resilience and Efficiency
Climate change is reshaping the insurance landscape, and carriers must evolve to stay competitive. CORE Group offers the expertise, agility, and strategic partnership needed to handle complex insurance claims with precision. By integrating restoration expertise with technology and compassion, CORE empowers carriers to meet today’s challenges and prepare for tomorrow’s uncertainties.
Reach out to CORE Group today to schedule a meeting and explore how we can support your claims strategy with proven results and trusted execution.
Frequently Asked Questions
1. What types of claims does CORE Group specialize in?
CORE Group focuses on complex property insurance claims, especially large loss and catastrophe claims requiring restoration expertise and fast, scalable response with their white glove network of restorers.
2. How does partnering with CORE Group benefit insurance carriers?
Carriers gain access to advanced claims technology, dedicated field teams, and a restoration-first approach that reduces cycle times, improves compliance, and enhances policyholder satisfaction.
3. Is CORE Group experienced with handling climate-related catastrophe claims?
Yes. CORE Group has a robust CAT response infrastructure and a proven track record managing claims from wildfires, hurricanes, and severe storms across high-risk regions.
4. Can CORE Group integrate with our existing claims management system?
Absolutely. CORE Group offers API integrations and custom dashboards to ensure seamless data exchange, real-time updates, and visibility throughout the claim lifecycle.
5. How can we start a partnership with CORE Group?
Begin by visiting Property Restoration Claims for Insurance Professionals | CORE or contacting CORE Group directly to schedule a consultation and learn about the onboarding process.
About the Author:
Kat is the Senior National Director of Accounts at Core Group. She brings over eight years of experience in the insurance industry, with exposure to temporary housing, independent adjusting services, contractor networks, and much more. Kat is passionate about building strong relationships, driving client solutions, and connecting people. Outside of work, she enjoys traveling, surfing, and exploring new cultures.
