Severity Drift
Claims that begin with a low apparent severity posture but show indicators of escalation risk.
Early Auto Physical Damage Severity Intelligence
Identify APD severity drift before costs escalate.
Sentinel Risk Intelligence helps claims leaders evaluate early auto physical damage severity signals at FNOL and early claim review — before hidden repair complexity, supplement exposure, and triage delay harden into downstream cost.
The Problem
The first claim decision often happens before the real severity is visible.
Auto physical damage claims can appear routine at intake while hidden severity is already forming underneath the surface. When structural exposure, ADAS calibration, repair complexity, parts volatility, or supplement risk is recognized late, the carrier loses the earliest opportunity to adjust triage and oversight.
SRI focuses on the narrow window where early review can create better claim visibility without disrupting the existing claim system.
What SRI Reviews
Early severity signals that matter to APD claim outcomes.
Supplement Exposure
Early indicators that repair cost, scope, or cycle time may expand after teardown or deeper inspection.
Repair Complexity
Signals involving structural areas, cooling systems, sensors, calibration, and modern vehicle complexity.
Triage Opportunity
Claims where earlier human review may support better routing, oversight, or escalation control.
Positioning
Decision support, not claim automation.
SRI is designed as a disciplined severity intelligence layer that preserves human authority. It does not replace adjusters, estimating platforms, carrier rules, or claim leadership judgment.
The Solution
A human-governed early severity checkpoint for APD claims.
SRI introduces structured early severity review into the claim lifecycle. The objective is to help claims leaders see potential escalation earlier, prioritize review attention, and evaluate whether claim intake patterns are missing material severity indicators.
Cost-Control Visibility
Earlier severity visibility supports better cost-control decisions.
Savings potential is evaluated through controlled claim-sample review, not public guarantees. The review is designed to show whether early APD claim intake is missing severity indicators tied to supplement exposure, repair complexity, triage delay, and downstream cost escalation.
Supplement Exposure
Identify claims that appear routine early but may expand after teardown, parts review, or deeper inspection.
Repair Complexity
Surface structural, ADAS, sensor, cooling, or vehicle-complexity indicators that may change the claim path.
Intervention Window
Support earlier review before severity-driven cost exposure becomes harder to control.
Controlled Engagement
The 24-Hour Severity Challenge
The 24-Hour Severity Challenge is a controlled review designed to determine whether early APD severity signals exist in a carrier’s current intake pattern. It is intentionally simple: no system integration, no operational disruption, and no claim system replacement.
Input: A blind sample of recent APD claims.
Output: Green / Yellow / Red severity review with plain-English rationale.
Purpose: Identify whether early severity visibility is being missed or delayed.
Governance: Human-reviewed decision support only.
How SRI Fits
SRI works with your existing claims platform — not against it.
SRI is positioned as an overlay review layer that uses existing intake information, supports human review, and returns a clearer early severity signal without asking a carrier to rip out current systems.
What Claims Leaders Receive
Structured severity intelligence outputs — without exposing proprietary SSM logic.
SRI provides leadership-ready review outputs that help claims teams see what may deserve earlier attention. The carrier receives the executive signal, rationale, and pattern summary — not internal scoring weights, prompts, calibration logic, or proprietary methodology.
Green / Yellow / Red Severity Signal
A simple claim-level classification designed to help leadership identify which files may deserve earlier review.
Plain-English Review Rationale
A concise explanation of visible factors supporting the severity signal, written for claims leaders and review teams.
Supplement Exposure Indicators
Early visibility into files that may be at risk of expanded scope, added operations, parts exposure, or post-teardown movement.
Repair Complexity Indicators
Signals tied to structural involvement, ADAS considerations, sensor exposure, cooling system damage, or repair-path escalation.
Triage and Oversight Opportunity
Where earlier attention may support better routing, escalation, or supervisory oversight.
Sample-Level Pattern Summary
A leadership summary showing recurring severity patterns across the reviewed claim sample.
External Validation Snapshot
Proof is clearer when executives can see the expansion.
External claim-file review showed verified movement between initial estimate totals and final/job totals. SRI uses this kind of proof structure to help carriers evaluate where early severity indicators may have been visible sooner.
Initial Estimate vs Final / Job Total
Source-confirmed APD claim-file review · 21 reviewed rows
Observed severity expansion varied by claim mix, workflow, and file handling. This is a validation snapshot, not a guarantee of future results.
Review Orchestration
SRI organizes review signals into executive-ready claim intelligence.
The orchestration layer is described publicly at a high level only. It shows how claim intake information becomes review-ready output while preserving human oversight and protecting SSM proprietary methodology.
01
Existing Claim Platform
FNOL data, estimate information, notes, photos, vehicle details, and claim context.
→
02
SRI Orchestration Layer
High-level review coordination across intake review, behavioral review, truth review, human governance, and severity signal summary.
→
03
Executive Review Outputs
Severity signal, rationale, triage insight, sample-level pattern summary, and cost-control visibility.
Public-safe explanation only. SRI does not expose scoring weights, calibration tables, prompts, matrices, or proprietary SSM logic.
Validation Posture
Built for controlled validation, not unsupported public claims.
External claim-file review has reinforced SRI’s focus on severity drift, supplement exposure, repair complexity, and early triage opportunity. Detailed findings are reserved for private carrier review, controlled demonstrations, and partner due diligence.
Simple Severity Classification
Clear claim-level review language that supports leadership interpretation.
Fast Controlled Review
Designed to test early signal visibility without system integration.
Human-in-the-Loop Governance
Human oversight remains central. SRI supports judgment; it does not replace it.
Additional Leadership Views
Show the carrier what the review can surface — not just what it costs.
These additional views help explain the kinds of operational and severity-related insights claims leaders can receive after a controlled review. The estimate-expansion chart remains the direct external validation proof. The panels below show the style of leadership-ready outputs SRI can organize around rental exposure, ADAS-driven complexity, and claim escalation factors.
Illustrative Leadership Output
Rental / ADOS Exposure View
Example of a leadership-facing view that helps connect severity review to rental pressure, cycle-time drag, and downstream file cost exposure.
Illustrative Leadership Output
Complexity Driver Mix
ADAS / Sensor ExposureHigh Attention
Structural / Support InvolvementHigh Attention
Cooling / Front-End ComplexityModerate–High
Supplement Expansion RiskElevated
This type of output helps a claims leader see what is driving early severity risk, without exposing SSM proprietary methodology.
Observed Validation Themes
What the external review reinforced
The external claim-file review strengthened SRI’s focus on supplement movement, repair complexity, ADAS-related exposure, and claim paths where earlier intervention may influence rental pressure, oversight, and downstream cost control.
Executive Severity Intelligence View
Built for the early APD severity intelligence window.
SRI is built for a specific and under-addressed window in the APD claim lifecycle: early severity visibility. The objective is not to replace existing claim systems or automate claim decisions. The objective is to give claims leaders a structured view of where severity drift, repair complexity, supplement exposure, rental pressure, and cost escalation may be forming earlier than current workflows reveal.
Actual External Findings
Illustrative Leadership Output
Actual External Findings
Severity Expansion Waterfall
$101,476.67
Initial Estimate
$111,854.37
Final / Job Total
21source-confirmed reviewed rows
$10,377.70net verified expansion
~9–11%observed expansion range
Illustrative Leadership Output
Claim Risk Heat Map
ClaimSupplementADASStructuralRental / ADOSTriage
CLM-2197
CLM-2215
CLM-2274
CLM-2321
Illustrative executive-style view showing how reviewed files can be surfaced by signal cluster, helping leadership quickly spot where attention may be needed.
Observed External Review Themes
Dominant Severity Drivers
Supplement Expansion
Repair Complexity
ADAS / Sensor Exposure
Rental / ADOS Pressure
Triage Opportunity
Theme wheel based on dominant issues observed across the external review. It reflects reinforced patterns from the reviewed files, not a published exact-percentage distribution.
Illustrative Leadership Output
Severity Drift Timeline
1
FNOL
Initial loss intake and early file posture.
2
Initial Estimate
Potential early signal visibility begins.
3
Teardown / Supplement
Severity expansion becomes more visible.
4
Final / Job Total
Downstream cost exposure hardens.
SRI Intervention View: designed to help claims leadership identify where a file may have deserved earlier review before cost exposure fully hardened.
Founder
Founded by collision repair severity experience.
Sentinel Risk Intelligence was founded by Shawn Phillip Thompson, drawing on nearly three decades of collision repair experience across teardown, structural repair, ADAS considerations, material damage review, and the practical realities that drive downstream claim severity.
The company’s focus is narrow by design: helping claims leaders improve early visibility into APD severity risk while preserving lawful, ethical, human-governed claim decision authority.
Next Step
Request a controlled APD severity review for executive evaluation.
For carriers, claim leaders, or institutional partners evaluating early severity visibility, SRI can review a controlled claim sample and return a clear severity signal summary designed for executive review, cost-control discussion, and follow-up evaluation.
Primary contact for controlled APD severity review requests:
admin@sentinelriskintelligence.com
Recommended email subject lines
- Controlled APD Severity Review Request
- 24-Hour Severity Challenge Request
- SRI Carrier Review Inquiry
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