Calibration is defined as a set of gradations to show positions or values. It brings into alignment what previously was out of sync. In the world of insurance claims, it accomplishes the elusive goal of organizational consistency.
In an imperfect world, achieving perfection is often the goal. While well intended, the chase often lacks the calibration necessary for success. How is it possible to achieve consistent and accurate outcomes when there isn't a uniform methodology for achieving them?
Most certainly there is an element of subjectivity to the claims process. Consider liability decisions in which 10 different adjusters will quite frequently come up with 10 different assessments. While one may be hard-pressed to challenge the results of a 60/40 decision against one that is 70/30, this often isn't the issue. Rather, organizations are confronted with far too many adjusters simply assessing 100 percent against one party or another in a world where 100 percent liability is often an anomaly.
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