Insurance Claims
How carriers review a demand package
NORBU Demand editorial team · Updated 2026-08-01 · Reviewed by NORBU product counsel liaison
Short answer
Adjusters verify. They check whether claimed treatment appears in the records, whether billing totals match attached statements, and whether the treatment history contains gaps or prior injuries the narrative did not address.
Verification first
The first pass is not a valuation exercise. It is a check for whether the file supports what the letter says.
The predictable challenges
- ·Unexplained treatment gaps
- ·Prior treatment of the same body part
- ·Billing totals that do not reconcile
- ·Future care without provider documentation
- ·Records cited but not attached
FAQ
- Does NORBU predict what a carrier will pay?
- No. NORBU does not determine legal value or predict settlement outcomes.