Construction All Risk Insurance Claims Adjudication Platform

The Claims Adjudication Challenge in Construction All Risk Insurance

Contractor's all risk and erection all risk coverage for construction projects. At the Claims Adjudication stage, operations teams face a specific set of document management and workflow challenges that generic insurance platforms fail to address adequately.

Claims teams manage complex document sets — inspections, invoices, police reports, medical records — across email, portals, and shared drives, creating delays and compliance risk.

Document Types in Construction (CAR) Claims Adjudication

The claims adjudication workflow for Construction (CAR) involves a specific set of document types, each with its own extraction requirements and routing logic:

• Construction contract — critical evidence document, extracted and linked to the claim file for adjudication
• Project schedule — critical evidence document, extracted and linked to the claim file for adjudication
• Bill of quantities — critical evidence document, extracted and linked to the claim file for adjudication
• Engineer's progress report — critical evidence document, extracted and linked to the claim file for adjudication
• Defect notification — critical evidence document, extracted and linked to the claim file for adjudication
• Delay in start-up analysis — critical evidence document, extracted and linked to the claim file for adjudication

Regulatory and Compliance Context

Construction (CAR) claims adjudication must satisfy the requirements of FIDIC, JCT, NEC, State building authorities, including FCA Consumer Duty evidence requirements. EU DORA and the EU AI Act add mandatory audit logging requirements for automated decisions in this workflow. SAMA and CBUAE frameworks set data governance standards applicable to this process.

Every decision made during claims adjudication — acceptance, referral, postponement, or rejection — must be documented with sufficient evidence to withstand regulatory scrutiny. Automated decisions made using AI must be explainable and auditable under evolving global AI governance frameworks.

Market Context: Construction All Risk Insurance in US, UK, EU, Middle East

Global infrastructure investment is driving CAR premiums above $15B globally, with NEOM and Gulf region mega-projects creating significant Middle East demand.

For claims adjudication specifically, market conditions create pressure to settle claims quickly and accurately while controlling indemnity spend. Operations teams that automate claims adjudication workflows gain a competitive advantage through faster turnaround, lower unit cost, and better data quality for downstream processes.

How Regure Handles Construction (CAR) Claims Adjudication

Regure centralizes all claim documents, extracts key data automatically, tracks SLA compliance, and generates audit-ready evidence packages for every decision from FNOL to settlement.

For Construction All Risk Insurance specifically, Regure provides:

• Specialist document templates: Pre-built extraction schemas for Construction contract, Project schedule, Bill of quantities, and other Construction (CAR)-specific forms
• Regulatory compliance logging: Immutable audit trail for every document received, decision made, and action taken — satisfying FIDIC and JCT requirements
• Multi-party workflow: Secure collaboration between underwriters, claims teams, brokers, and external parties (surveyors, legal counsel, expert witnesses)
• SLA tracking: Automated deadline monitoring with escalation paths for Construction (CAR) claims adjudication workflows
• API integration: Connect to existing policy administration, claims, and underwriting systems without replacing them

The Full Construction (CAR) Life Cycle in Regure

Claims Adjudication is one stage in the complete Construction (CAR) insurance life cycle. Regure provides unified automation across all four stages, with documents, audit trails, and workflow data flowing seamlessly from intake through renewal:

• Submission Intake: Automating the intake and triage of new submission documents
• Underwriting Triage: Prioritizing and processing risks through underwriting workflows
• Claims Adjudication: Processing and adjudicating claims from FNOL to settlement ← You are here
• Renewal Automation: Automating renewal workflows to improve retention and reduce manual effort

Ready to see how Regure handles Construction (CAR) claims adjudication specifically? Book a demo with your actual Construction (CAR) documents and workflows. Or explore the Construction All Risk Insurance overview and full vertical life cycle hub.