title = "Catastrophe Claims Handling"

content = """
Catastrophe claims handling addresses mass-loss events such as natural disasters, severe weather,
or civil unrest. These events generate high volumes of claims simultaneously, requiring specialized
surge protocols, triage systems, and resource allocation to maintain service quality and
regulatory compliance.

**Surge Activation:** Activate catastrophe response protocols when event thresholds are met.
Establish dedicated catastrophe claim units with expanded staffing and extended hours. Prioritize
injury and total-loss property claims while maintaining intake capacity for all affected
policyholders.

**Triage and Prioritization:** Apply triage criteria to rank claims by urgency: life-safety and
habitability concerns first, followed by total losses, partial losses, and minor damage. Document
prioritization rationale and communicate expected timelines to claimants. Reassess priorities as
new information emerges.

**Resource Allocation:** Deploy adjusters, independent appraisers, and catastrophe teams to
affected regions. Leverage virtual inspection tools and photo-based assessments when physical
access is restricted. Coordinate with vendors for temporary housing, emergency repairs, and
debris removal services.

**Regulatory and Reporting Compliance:** Meet accelerated reporting requirements imposed during
declared catastrophes. Submit loss reports to state insurance departments within specified
deadlines. Maintain documentation for potential reinsurance recoveries and regulatory examinations.

**Communication and Customer Expectations:** Set clear expectations for extended handling times
during catastrophe conditions. Provide regular status updates through multiple channels.
Acknowledge claim receipt promptly and offer advance payments where policy terms and circumstances
warrant immediate financial relief.

**Fraud Vigilance:** Maintain fraud detection protocols despite surge conditions. Catastrophes
attract opportunistic fraud; validate claims against event timing, damage patterns, and
policyholder history. Escalate suspicious claims to the special investigations unit.
"""  # noqa: E501

version = "0.0.1"
