Technical Specialists Group for Claims
Complex claims.Quantification that stands up.
We turn policy, operations, evidence and financial data into clear, traceable and technically supported analysis and claims.
15+
years of professional experience in the leadership
Mexico · Colombia
regional operation and development
C-suite
engagement with insurers, policyholders, brokers and advisors
High-value
focus on complex corporate losses
Figures reflect the professional track record of TSG Claims' leadership.
Four elements
Four elements of a sound claim.
These are not stages of a method: they are the four domains TSG connects within a review-ready claim file.
Policy
Coverages · limits · deductibles
Operations
What happened · impact · recovery
Loss quantification
BI · damage · expenses · scenarios
Evidence
Support · traceability · sufficiency
One review-ready claim file
Selected experience
Scale, complexity and range of matters.
Representative experience of TSG Claims' leadership, presented on an anonymised basis. No client names, logos or figures are published without express authorisation.
USD 60M+
Industrial claim
Gross profit scenarios · stock · mitigation
3 plants
Renewable energy
BI · insured values · indemnity period
8 locations
Banking / multi-site
Lost income · financial reconciliation
Hospitality
Damage and income
Occupancy · ADR · RevPAR · trend
Thousands of files
Reinsurance
Document integrity · complex dispute
MXN 100M+
Corporate investigation
Records · controls · transactional patterns
The goal is not to produce a high figure or a low one. It is to produce a figure consistent with the policy and grounded in evidence.
That standard separates a review-ready file from one that falls apart at the first objection.
Legal framework · Colombia
The law places the burden of proof on the policyholder.
Article 1077 of the Colombian Commercial Code requires the policyholder to prove both the occurrence of the loss and its quantum. The insurer, in turn, must prove the facts that exclude its liability.
The claimant proves occurrence and quantum.
The insurer is under no duty to build your claim for you. If entitlement is not established, it may raise objections or decline to pay.
It is not a fixed checklist of documents.
It is a test of evidentiary sufficiency. Each document must bear on occurrence or on quantum; not everything requested is indispensable.
Once entitlement is established, the payment clock starts.
Article 1080 allows one month from the date entitlement is established. For corporate property policies above the statutory threshold, article 185 of Colombia's Financial System Statute (EOSF) permits extension to 60 business days by express agreement.
General information on the Colombian regulatory framework. It is not legal advice and does not replace analysis of a specific policy wording.
Industries
Six sectors where loss is measured differently.
Physical damage is almost always claimed. What gets left out are the items that depend on records, contracts and timelines nobody organised while operations were down.
- 01Hospitality
- 02Manufacturing
- 03Banking / multi-site
- 04Energy / renewables
- 05Logistics
- 06Real estate
Who we work for
The technical capability is the same; the role changes with the mandate.
Each engagement is accepted independently and subject to a conflicts check. TSG Claims does not act on incompatible sides of the same matter, and never acts as the insurer's appointed loss adjuster or as a broker.
Policyholders
Independent preparation, quantification and substantiation of their claim.
Insurers / Reinsurance
Independent review of quantum, information and methodology.
Brokers / Intermediaries
Specialist technical support to strengthen their client's claim.
Lawyers / Experts
Quantification, working papers and economic evidence for dispute.
What the client receives
The value isn't only in the final number: it's in the traceability of the file.
Executive report
Conclusions, methodology, bases of assessment, limitations and results.
Model and working papers
Traceable calculations, reconciliations and sources of information.
Claim schedules
Heads of loss organised by coverage, indemnity period and support.
Document index
Evidence linked to each head of loss, request and response.
Differences matrix
Reconciliation between the positions of client, insurer, loss adjuster and supporting records.
Dispute file
Technical and financial basis for counsel and experts if the matter escalates.
Scope boundaries
What TSG Claims is not.
Our independence depends on stating this as clearly as we describe the service itself.
- We are not an insurer or an insurance broker.
- We do not act as the insurer's appointed loss adjuster.
- We do not replace the policyholder's counsel and we issue no legal opinions.
- We do not guarantee a settlement figure or the outcome of a dispute.
- We do not accept instructions that involve inflating figures, fabricating support or altering dates.
Open claim, or an offer that doesn't add up?
An initial confidential conversation establishes whether a genuine technical opportunity exists before any fees are committed.