When Does a Claim File Fail to Close?

Some claim files remain open.
Not because the loss is complex.

But because the decision was made too late.

Why Claim Files Do Not Stall by Accident

A file does not stall because the damage is large.
It stalls because uncertainty grows.

Uncertainty begins when:

• Coverage boundaries are unclear

• Exclusions are discovered after the event

• Risk was never properly defined at policy inception

At that point, the file stops moving forward.
It starts circulating.

The Common Pattern of Unclosed Files

Unclosed files appear different.
They fail for the same reason.

• The phrase “we need to review” repeats

• Additional documents are requested again and again

• Decisions drift away from the file itself

This is not an operational problem.
It is a structural one.

Time Does Not Resolve Uncertainty

Time does not close claim files.
Time exposes missing decisions.

If a policy is:

• Read after the loss

• Interpreted during the event

• Defined only once the file is opened

The file waits.

Not for resolution.
For explanation.

Closed Files Are Quiet

Files that close smoothly rarely draw attention.

• Fewer emails

• Fewer clarifications

• Fewer objections

Not because the loss was minor.
But because the decision already existed.

Insurance Does Not Close Files. It Applies Decisions

Speed does not close files.
Clarity does.

Without clarity:

• Strong teams slow down

• Efficient systems pause

Because no one signs under uncertainty.

A Quiet Conclusion

If a claim file does not close,
the problem is rarely inside the file.

It is usually at the starting point of the policy.

CAN Sigorta
manages claim outcomes by managing decisions long before claims exist.