Partnering for Efficiency: How Third-Party Adjusters Support Surge Capacity After Catastrophes
In the wake of a catastrophe, everything moves fast—storm paths, floodwaters, social media narratives, and most critically, policyholder expectations. Insurance carriers don’t just need boots on the ground—they need the right boots. That’s where firms like Lozano Insurance Adjusters step in.
The 2024 hurricane season made one thing abundantly clear: when disaster strikes, surge capacity isn’t optional—it’s mission-critical. Beryl, Helene, and Milton didn’t just batter homes and uproot lives; they inundated claims departments across the Southeast. For insurance carriers, the challenge wasn’t just the volume of claims. It was the urgency to process them accurately, compassionately, and quickly—before reputational damage could spiral out of control.
The Capacity Crunch
Even the best-prepared insurers can’t staff year-round for worst-case scenarios. It’s neither financially sustainable nor operationally practical. But when a storm makes landfall and claim counts balloon overnight, a gap emerges—between internal capacity and actual need.
That’s the gap Lozano fills.
We’re not just supplemental labor—we’re strategic partners. Our adjusters are trained, licensed, and embedded in the very regulatory environments our carrier clients operate in. We understand the need for speed, yes—but also for precision, consistency, and alignment with each carrier’s internal standards.
Rapid Deployment, Seamless Integration
Our team mobilizes in hours, not days. We bring with us a fully digital workflow, preloaded claim templates tailored to each carrier’s system, and adjusters who understand how to maintain empathy with policyholders while staying rooted in policy language.
We know that every delay is an opportunity for public frustration to metastasize. That’s why we
prioritize:
- Fast first contact with insureds
- Thorough onsite inspections using advanced tools
- Clear, concise reporting that carriers can act on immediately
When the public is angry and the media is watching, speed alone isn’t enough. You need competence and consistency at scale. That’s what we provide.
Protecting Your Reputation
In today’s environment, reputational risk runs parallel to every claim file. We’ve seen how quickly a single mishandled loss can turn into a viral headline or a legislative hearing. By bringing Lozano adjusters into the field, carriers get more than surge support—they get peace of mind.
We understand what’s at stake. Every estimate we write, every insured we speak to, and every claim we help close is a reflection on the carrier that hired us.
That’s a responsibility we take seriously.
The Forecast
As we prepare for another active season, I encourage carrier partners to view third-party adjusting not as a last resort, but as a force multiplier. The companies that fared best in 2024 were the ones that had strong partners before landfall—not after the storm hit.
At Lozano Insurance Adjusters, we’re ready to be that partner. Ready to deliver professionalism, speed, and integrity at scale. Ready to help you meet the moment—whatever that moment may bring. Because in this business, how you respond matters just as much as what you cover.
