Working method
How a file review runs
This is the sequence we use for a typical new-business sample. Dispute reconstructions skip the sample draw and start at the pack itself. Nothing here is software onboarding.
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1. Enquiry and count
You write to us with the product lines, the period, and a rough file count. We ask whether packs are paper, scan, or mixed, and whether originals may leave your office. If the volume is too large for a full read, we propose a sample size and a mix of random files and files you already distrust.
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2. Engagement letter
The letter names the population, the sample, the checklist we will use, the fee, the working-paper retention period, and who may see the memo. Work does not start until that letter is signed and any agreed deposit is received. Deposits are described on the fees and refunds page.
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3. Intake
Paper packs are counted together at 35 Regat Dato Mahmud. Scans arrive as one PDF per proposal, named with the proposal number. The count on the intake sheet is the count we audit. Files that appear later are a variation and are written down before we open them.
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4. Reading
Each file is read against the agreed checklist. We note missing pages, unsigned declarations, contradictions between the form and the attachments, and substitutions (a photograph where a sketch was required). We do not re-underwrite the risk or recommend a loading.
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5. Findings memo
You receive a memo in plain English and an exception list keyed to file numbers. Recurring defects are grouped so an agency manager can train against them. Rare defects sit in their own paragraph so they are not lost in the count.
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6. Close-out
We walk through the memo in person or on a call. Questions about a specific file are answered from the working papers. After close-out, further reading is a new instruction.