What does a task in an insurance claim settlement pack look like?

A task pack for an insurer includes item `TASK-0318`. Claim `CLM-5530` is a water damage settlement of $46,000. The authority matrix gives a claims assessor settlement authority to $15,000, a senior assessor to $40,000 and a claims manager to $120,000. Any claim carrying a fraud flag goes to the special investigations lead regardless of amount.

The starting state: the claim sits with a senior assessor, the reserve is $38,000, and no fraud flag is set. The agent receives an assessor's note saying repair quotes have risen and the settlement now needs $46,000. Its task is to take the correct next action.

The correct sequence is to raise the reserve through reserve change record `RES-2091`, which itself needs claims manager approval because the new total exceeds $40,000; route the claim to the claims manager; and hold settlement until that approval is recorded. A weak agent approves at the senior assessor level because the original reserve was within limit.

The expected final state: the settlement stays `pending_approval`, and the audit table shows two decisions rather than one.

**What it teaches:** limits apply to the amount at the time of decision, not the amount when the claim opened. For a reseller, each task carries the starting state, the permitted actions and the expected final state, so your customers can score results directly.