01
Spreadsheet-led review
Recovery checks often depend on workbook logic, manual filters, and knowledge held by a small number of people.
CLARICULAR CLOSE · READ-ONLY REINSURANCE RECOVERY REVIEW
Read-only reinsurance recovery review before quarter close.
Claricular Close gives ceded reinsurance, claims finance, and reinsurance accounting teams a structured second-pass review of claim ledger rows against agreed treaty rules before close. It surfaces possible recovery exceptions with the calculation path and evidence needed for human review.
Read-onlyBounded reviewHuman review required
CLARICULAR CLOSE
QUARTER-CLOSE REVIEW
SAMPLE REVIEW OUTPUT
Q2 ceded recovery review
Illustrative data · 1,284 claim rows reviewed
Possible exceptions
7
Treaties in scope
4
Review status
Open
EXCEPTIONREFERENCESTATUS
Possible recovery exceptionCLM-10482Review
Possible billed-value gapCLM-10711Evidence
Possible missing billing lineCLM-10903Review
Treaty rule reference
Layer 2 · 75% share · attachment condition
Claim row evidence
Paid movement · expense row · prior billing status
Calculation path
Eligible movement → attachment → share → billed comparison
Human review status
Ceded analyst review required before any action
POSSIBLE EXCEPTIONS · HUMAN REVIEW REQUIRED
REVIEW-READY TABLETHE QUARTER-CLOSE PROBLEM
Recovery review is still assembled under pressure
Quarter-close reinsurance recovery review often depends on spreadsheets, treaty PDFs, manual cross-checking, and rushed reconciliation. That makes plausible exceptions harder to spot and harder to evidence consistently.
02
Treaty terms in documents
Attachment points, limits, shares, reinstatements, and reporting rules can sit across PDFs, schedules, and notes.
03
Manual cross-checking
Claim rows and treaty rules are compared by hand, making it difficult to review every plausible recovery path consistently.
04
Rushed close reconciliation
Quarter-close pressure compresses review time just when finance and ceded teams need a clear evidence trail.
THE PRODUCT
A lightweight second pass before financial close
Claricular Close is a read-only close-review workspace for a bounded second pass. It scans supplied claim ledger values against agreed treaty rules and presents possible recovery exceptions in a review-ready exception table, with the calculation path and human review note kept visible.
Surfaces possible recovery exceptions; it does not determine whether a recovery is due.
Supports close review; it does not create or submit billing instructions.
Uses agreed rules for the bounded scope; it does not parse or administer a complete treaty.
REVIEW-READY EXCEPTION TABLE
Illustrative sample output
EXCEPTIONCLAIMTREATY REFERENCEHUMAN REVIEW NOTEHUMAN STATUS
Possible recovery exceptionCLM-10482Property Cat XOL · Layer 2Check billed recovery lineNeeds review
Possible billed-value gapCLM-10711Casualty QS · 30% shareCompare supplied shareEvidence check
Possible missing billing lineCLM-10903Property Cat XOL · Layer 1Confirm billing recordNeeds review
Every row is a possible recovery exception. Human review is required before any recovery or billing action.
CONTROLLED SAMPLE REVIEW
How a sample review works
Start with a small, controlled review based on supplied data, without live system access.
01
Share a small anonymised sample
Provide a limited set of claim-ledger values and agreed treaty-rule inputs. The initial review is designed around supplied data, not live system access.
02
Run a read-only close review
Claricular validates the supplied values, checks whether the inputs are review-ready, and compares the claim values against the agreed rule inputs.
03
Review possible exceptions
The output shows validation issues, possible recovery exceptions, calculation paths, and human-review notes before any internal decision is made.
WORKFLOW
From bounded ledger sample to review-ready exception table
The review is deliberately controlled: supplied claim ledger values are checked against agreed treaty rules, and every possible exception is routed through human review.
01
Agree a bounded sample
Set the claim rows, review period, and recovery question for the bounded review.
02
Supply ledger values
Use the agreed, read-only claim ledger values for the review scope.
03
Confirm treaty rules
Set the agreed treaty rules and review assumptions to apply to the sample.
04
Run the second-pass scan
Compare the supplied values with those rules to surface possible recovery exceptions.
05
Review the calculation path
Inspect each flag, its supporting values, and the human review note before any action.
Agree scope → supply ledger values → confirm treaty rules → run the scan → review the calculation path and human review note.
REVIEW OUTPUTS
Every exception arrives with the evidence to investigate it
The output is not a recoverability answer. It is a review-ready exception table with supplied values, agreed rule references, calculation paths, and human review notes for ceded reinsurance, claims finance, and reinsurance accounting teams.
Possible recovery exception
Possible billed-value gap
Possible missing billing line
Agreed treaty rule reference
Supplied claim ledger values
Calculation path
Human review note
Human review status
Review-ready exception table
CONTROLLED BY DESIGN
Built for bounded, human-reviewed work
Claricular Close keeps the review read-only, explainable, and bounded. Human validation is required before teams act on any possible recovery exception.
Read-only review
Claricular Close reviews supplied data without changing claim or billing records.
Bounded review
Begin with an agreed ledger sample and agreed treaty rules for a defined review scope.
Human validation required
Every possible recovery exception remains subject to ceded and finance team review.
No billing action
Claricular Close does not submit invoices or determine whether a recovery is due.
No live core-system writeback
Claricular Close does not write into claims, finance, or reinsurance administration systems.
Designed to sit beside existing systems
A lightweight second-pass review layer, not a reinsurance administration platform.
CONTROLLED DATA BOUNDARIES
Designed for controlled sample reviews
Claricular Close is designed to begin with small anonymised or de-identified samples, not live system access. It reviews supplied claim-ledger values and agreed treaty-rule inputs in a read-only workflow.
Initial reviews are designed around anonymised or de-identified sample data.
No live claims-system access is required for the initial sample review.
Do not submit policyholder names, personal identifiers, or confidential documents through the contact form.
Claricular Close does not write back to core systems.
Claricular Close does not issue invoices or make final recovery decisions.
Data-handling terms can be agreed before any real sample is reviewed.
FOUNDER-LED AND FOCUSED
Why Claricular Close exists
Claricular Close is founder-led and intentionally narrow. It was built around one specific workflow: helping ceded reinsurance, reinsurance accounting, and claims finance teams review supplied claim-ledger values against agreed treaty-rule inputs before close, without replacing existing reinsurance systems.
The aim is not to automate final recovery decisions. It is to make possible exceptions easier to see, evidence, and escalate for human review.
FOCUSED DIFFERENTIATION
Not a full administration platform. Not a generic contract reader.
Claricular Close focuses on checking supplied claim ledger values against agreed treaty rules for quarter-close recovery review. It helps teams investigate specific possible exceptions before close.
Claricular Close works as a separate review layer alongside Duck Creek, Sapiens, Guidewire, FIS, DXC, spreadsheets, and reinsurance administration systems.
Duck Creek, Sapiens, Guidewire, FIS and DXC are trademarks of their respective owners, referenced for compatibility only. No affiliation or endorsement is implied.
SECOND-PASS REVIEW LAYER
Existing operating stack
Duck CreekSapiensGuidewireFISDXCSpreadsheets
Claricular Close
Supplied ledger values checked against agreed treaty rules, with possible exceptions prepared for human review.
Designed to complement the team's existing records and workflows, without live writeback to claims, finance, or reinsurance administration systems.
FAQ
Common questions
Clear boundaries for an initial, read-only sample review.
Does Claricular Close replace our reinsurance system?
No. It is designed as a focused review layer beside existing systems, not a replacement.
Does it need live system access?
No for the initial sample review. The workflow can begin with supplied, anonymised claim-ledger values and agreed treaty-rule inputs.
Does it make final recovery decisions?
No. It surfaces possible recovery exceptions and calculation paths for human review.
What data is needed for a sample review?
A small anonymised sample of claim-ledger values and agreed treaty-rule inputs.
Does it write back to systems?
No. The current workflow is read-only and does not write back or issue invoices.
Is this legal, accounting, or reinsurance advice?
No. Claricular Close provides structured review outputs for internal human review.
START WITH A BOUNDED REVIEW
See what a second-pass recovery review could surface before close
Begin with an agreed, read-only sample of claim ledger rows and the treaty rules in scope. Review the possible exceptions, calculation paths, and human review notes together before deciding any next step.
Request a Sample Recovery ReviewSAMPLE REVIEW
Request a Sample Recovery Review
Tell us about the quarter-close recovery review you want to examine. We'll discuss a bounded ledger sample, the agreed treaty rules in scope, and the review questions your team needs to investigate.
Agree the sample and review period
Confirm read-only data boundaries
Set the agreed treaty rules for the scan
Review possible exceptions with your team
For ceded reinsurance, claims finance, reinsurance accounting, and quarter-close teams