Certainty at the moment it matters most.
Index Risk designs protection with bounded loss structures, where coverage amounts and triggers are defined upfront. This eliminates ambiguity and ensures a direct path from event to payment.
When a qualifying loss occurs, the response is immediate, transparent, and consistent with the terms agreed at binding.
Built on a specific commitment
At Index Risk, that commitment is specific:
When a deductible or difference-in-conditions gap threatens your financial position after a catastrophe, we close it — quickly, transparently, and without friction.
Our products are built with bounded, defined loss structures.
When a claim occurs, there is no ambiguity about what is owed. The coverage amount is established at binding, the trigger is clear, and the path to payment is direct.
Built for Clarity, Not Complexity
Traditional catastrophe claims can involve months of negotiation, competing adjustments, and uncertain outcomes. Our coverage is structurally different.
Because every Index Risk deductible buyback policy has a defined maximum loss equal to the deductible amount, there are no open-ended severity disputes.
No subjectivity about whether the loss "qualifies." If the underlying policy's deductible is triggered by a covered peril, our obligation is clear.
This bounded structure means:
Faster Resolution
No protracted adjustment cycles independent of the primary claim.
Lower Friction
Our process works with your carrier's adjustment, not against it.
Certainty of Outcome
The insured knows what they purchased and what they will receive.
Advocacy, Not Administration
As a managing general underwriter, Index Risk partners with A-rated capacity providers who share our commitment to claims integrity.
For deductible buyback claims, the adjustment follows the overlying carrier's established process. For standalone coverage lines — including earthquake and terrorism policies — we retain an independent third-party administrator with the expertise and service standards our policyholders deserve.
Index Risk maintains oversight and advocacy.
Our team remains engaged from first notice through resolution. When a situation requires our direct involvement, we do not hesitate.
Contact claims
Email us to report a new loss or ask about the claims process.
When reporting, include the details in the checklist.
When reporting a new loss, please include:
- Policy number
- Date of loss
- Location(s) affected
- Description of the event and damage
- Primary carrier claim number (if available)
- Contact information for the insured or their representative
We will acknowledge receipt within one business day and provide a clear timeline for next steps.
Coverage built intelligently. Service delivered personally.