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Although the recent hard market has helped insurers improve their underwriting ratios significantly, the pressure on claim organizations has by no means eased. Insurance carriers are decreasing their target combined ratios, just as price competition is creeping back into the industry and threatening to undermine underwriting profitability once again. In addition, under the cover of recent price increases, little has changed in the typical claim organization, where overworked adjusters struggle with heavy caseloads, often hindered by a variety of out-of-date claim systems and overflowing paper files.

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