For this desk, an accepted file is a production deliverable that passes a documented carrier-approved preparation standard. It does not mean the insurer has accepted coverage, agreed a settlement or authorised payment.
The proposed scope runs from receipt of inspection evidence to delivery of a reviewable production package. Physical inspection, repairs and claims adjudication remain outside the core comparison, although their interfaces must be examined.
The formulae, checklists and test scripts below are proposed procurement methods, not industry benchmarks, legal safe harbours or published expert conclusions. Start by testing them on routine residential water and wind assignments; assess complex commercial losses and coverage exceptions separately.