BriteCore supports rules-based automation to dynamically set default reserves when adding new exposures to a claim, which enables carriers to streamline their claims workflows by applying predefined business logic, such as geography, catastrophe type, or loss cause, to automatically apply Loss, Legal, or Adjusting reserves.
User Experience Details
When Are Reserve Rules Applied?
Rules are automatically evaluated and executed in real-time when a new exposure is added to a claim.
Note: Only exposures added after rules are configured will have reserves auto-applied.
What Happens?
When a matching rule is triggered, BriteCore will set reserves on the exposure for Loss, Legal, and Adjusting.
Reserve values can be set using either:
- A fixed amount (e.g., $5,000)
- A percentage of the exposure’s coverage limit (e.g., 10%)
Example Scenario:
If the loss is caused by a Hurricane in Florida, and the claim is tied to a CAT event, automatically apply:
- Loss Reserve = 10% of coverage limit
- Legal Reserve = $3,000
- Adjusting Reserve = $1,500
Configuration Details
Rule Setup Location
Rules for automatically setting exposure reserves are configured in the Rules under the Claims category scope.
To create a rule:
- Navigate to Lines > Select Effective Date > Underwriting > Rules.
- Select the appropriate Policy Type.
- Select Add Rule.
- Enter a Rule Name and Description.
- Set the Category Scope to Claims.
Defining Rule Triggers
Once inside the rule editor, you will define one or more triggers that determine when the rule should apply.
- Begin by selecting a Policy Type Item (e.g., Coverage A – Building)
- Then choose a Trigger Type from the following:
| Trigger Type | Description |
| Catastrophe | Trigger by specific CAT event or CAT-related perils |
| Loss Cause | Trigger by the defined cause of loss (e.g., Fire, Theft) |
| Geography | State, County, ZIP Code |
| Advanced | Define custom logic using Python expressions |
Important Behavior Notes:
- Triggers within a single rule use AND logic
All trigger conditions must be met for the rule to apply. - OR logic is not supported
To simulate OR, you must create separate rules. - Trigger priority matters
Rules are evaluated in the order they are listed; higher priority rules will apply first.
Catastrophe Trigger Details:
- Type: Choose between matching by Catastrophe ID or Catastrophe Perils.
- Value: Use a specific CAT name or select one or more perils.
Defining Rule Effects
After setting triggers, define the effects to determine what actions are taken when the rule conditions are met.
Currently, the only supported effect is:
Set Exposure Reserve
Configuration options:
- Policy Type Item: Choose the applicable coverage (e.g., Coverage A – Building)
- Reserve Type: Select one or more of the following:
- Loss
- Legal
- Adjusting
- Reserve Amount Type:
- Fixed Amount (e.g., $5,000)
Percentage of Coverage Limit (e.g., 10%)