Agree any changes before opening bids or viewing pilot outcomes.
| Criterion | Weight | Primary scorer |
|---|---|---|
| 1. Total cost per accepted file | 20 | Finance and procurement |
| 2. Technical quality and first-pass acceptance | 20 | Technical claims and QA |
| 3. Evidence traceability and auditability | 12 | QA and records management |
| 4. Claims authority, rule governance and automation control | 10 | Claims leadership and counsel |
| 5. Integration, version integrity and exportability | 10 | Enterprise architecture |
| 6. Security, privacy and subprocessor control | 8 | Security and privacy |
| 7. Time to usable file and exception handling | 7 | Claims operations |
| 8. Catastrophe capacity and continuity | 6 | Operations and vendor management |
| 9. Commercial clarity and exit terms | 4 | Procurement and legal |
| 10. Implementation, people and operating ownership | 3 | Transformation and frontline management |
| Total | 100 |
For a catastrophe-first purchase, increase resilience weight only before testing and preserve the mandatory gates. For complex commercial property, build a separate technical rubric rather than assuming that residential results transfer.
Avoid double counting: criterion 2 scores whether the file is correct; criterion 3 scores whether the reviewer can reconstruct its support. Criterion 5 tests whether an export works; criterion 9 tests the contractual right, price and assistance to obtain it.