Sustainable Claim Evaluation

The purpose of the work is to prepare a processing protocol to define the impacts associated with claim evaluation activities. This protocol contains criteria for the creation of a new model defined as a “sustainable claim evaluation”.

• Promotion of renewable energy.
• Define different labour management policies (sustainable mobility).
• Optimisation of waste production (reducing the use of paper).
• Defining the impact of sustainability of the surveyor’s professional activity.

Assessment of the social and environmental impact.

We proceed with a calculation of the social and environmental impact of the execution of the insurance and banking claim evaluation and drafting of the report.

• Identification of the working phases for its execution.
• Definition of the type of impact to be calculated.
• Calculation and parameterisation of the impact converted into a measurable value expressed in kg CO2/evaluation. In this calculation, it was decided to express the result in kg CO2/evaluation in order to express it as a carbon footprint.

Carrying out the sustainable claim evaluation.

The phases of work, which may have a potential social and environmental impact, considered in the calculation are the following.

Phases of work:

• Inspection on the site of the damage.
• Use of electronic devices and internet.
• Drafting and printing of the evaluation report.

The phases of work are in turn analysed according to a LCA (Life Cycle Assessment) logic, attributing to each phase a parameterised impact value in kg of CO2, thereby determining the carbon footprint.

• Social impact related to the social cost for road accident risks.
• The actual inspection by the loss adjuster at the site of the damage event implies the use of a means of transport (ex. vehicle), which may result in both social and environmental impact.
• Environmental Impact (CO2 production) due to the emissions of the means of transport.

This analysis process was expressed in a processing algorithm.

For the 2030 sustainable development agenda.

• Sustainable mobility policies that make it pos- sible to reduce automobile accidents: reduction of health care costs charged to the company.
  (Social sustainability)
• Promotion of a different approach to the activities of professionals who work in keeping with sustaina- ble solutions. (Social sustainability)
• Development of al- ternative approaches to work and working methods. (sustainable mobility)
• The sustainable survey is a new management model in terms of the sustainability of a pro- fessional activity.
• The adoption of sustain- ability policies makes it possible to reduce the carbon footprint of a pro- fessional activity.

The use of algorithms and specific formulas is managed through a dedicated software that proposes a precise value expressed in kgCO2/evaluation result.

The strategies that can be deployed to reduce the cost deriving from the social and environmental impact of the insurance inspection are the following:

By adopting all three of these strategies we can hypothesize annulling the cost of non-sustainability of the drafting of the survey reports, offering a database useful for the drafting of the corporate sustainability report.