How Vanguard’s Tech-Driven Claims Process Saves Time and Costs
How Vanguard’s Tech-Driven Claims Process Saves Time and Costs
Posted on: June 17, 2025In today’s insurance landscape, claims handling is no longer just about inspecting damages and issuing settlements. It’s about delivering precision, transparency, and speed—all while reducing unnecessary costs. Vanguard Claims Administration has embraced this evolution, harnessing technology to redefine how property and casualty claims are managed. Our mission is accurate efficiency, and it is easy to get lost in the Insurtech world to find the newest solution. We identify an area to improve, and once we identify it, we will scour the market for a cost-effective service, or if that does not exist, we will build our own!
Landmark: Complete inspection every time, without burden to the customer or the adjuster.
At the heart of Vanguard’s innovation is Landmark, a proprietary field inspection platform designed to guide adjusters through a structured, intelligent process. Landmark ensures that every relevant underwriting and claims data point is captured during the inspection, eliminating missed information and follow-up visits. It also standardizes reporting to reduce variability between adjusters, enhancing consistency and accuracy.
By enabling real-time data uploads and syncing with cloud-based systems, Landmark significantly shortens the timeline from field inspection to file completion. What once took days is now handled in hours, without compromising the quality of information.
Visual Documentation with Impact
Time and cost savings also come from Vanguard’s integration of Matterport and DocuSketch technology, which provide 3D walkthroughs of loss sites. This visual record reduces the need for repeated site visits by carriers or experts and ensures that all stakeholders—whether underwriters, claims examiners, or legal counsel—can review the property as it was immediately post-loss.
The visual data also supports faster and more confident claim decisions, reducing disputes and associated costs.
Data-Driven Decisions with Real-Time Dashboards
Vanguard’s technology stack includes custom Power BI dashboards that offer real-time insights into claim status, trends, and team performance. Clients have immediate visibility into their portfolios, including inspection turn times, claim complexity, reserve development, and any outliers that require attention.
These dashboards not only foster transparency but also empower risk managers and claims teams to make informed decisions quickly, streamlining internal workflows and avoiding delays caused by miscommunication or manual status checks.
Automation That Doesn’t Compromise Oversight
Vanguard carefully balances automation with human oversight. Triage tools help prioritize incoming assignments, automate diary follow-ups, and flag aging tasks. However, final claim decisions always rest with experienced professionals who ensure that automation supports, not replaces, judgment and quality control.
This hybrid model minimizes administrative burdens while preserving the critical thinking necessary for complex or high-value claims.
Tangible Outcomes: Faster Resolutions, Reduced Leakage
The results of Vanguard’s tech-driven approach speak for themselves:
- Lowered loss adjustment expenses (LAE) by streamlining documentation and reducing expert reliance.
- Increased policyholder satisfaction through faster response times and clearer communication.
- Improved compliance with internal and regulatory audit requirements due to better documentation and tracking.
Looking Ahead
As catastrophe frequency rises and policyholder expectations continue to evolve, the claims process must adapt. Vanguard Claims Administration remains at the forefront by investing in scalable technology solutions that align with carrier priorities and market demands.
The future of claims handling is not just about speed—it’s about intelligent speed. And Vanguard is proving that with the right tools and the right people, it’s possible to deliver both efficiency and excellence.
By Steven Jones, SVP of IA Operations