Time-limited demand management: every policy-limits demand found, every condition checked, every clock kept
No policy-limits deadline missed: every demand on a clock, every condition checked.
See one case, screen by screen ↓It is the work of finding every policy-limits demand that sets a deadline or conditions of acceptance, tracking its clock, meeting every condition and answering on time — with proof. Time-Limited Demand Management does it with six agents that find each demand, tie it to its claim, list its conditions, check its state’s rules and keep its clock, while the claim supervisor decides and signs.
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A plaintiff's lawyer who wants the limits sends a time-limited demand: pay the limit, on these terms, by this date, or the offer is gone. The letter rarely lands where claims work happens. It comes by certified mail to a branch, by fax, to the insured, to the agent, or to an adjuster who has moved on — and the clock often runs from receipt, not from the day the right person sees it.
Then the letter has to be read to the last paragraph. A specific release “without modification”, payment by wire only, a sworn affidavit from the insured, certified declarations pages, lien terms — one sentence on page four can turn a check into a rejection. Each state sets its own rules for what makes a demand valid and how it must be accepted. Miss the date, or slip on one condition, and a limited policy can become an uncapped bad-faith verdict.
Estimated split for a typical time-limited demand with 30 days to accept, by hand and with the solution.
Six specialist agents find each demand, pull out its conditions and keep its clock; the claim supervisor decides and signs.
Barnwell v. Pruitt: a $100,000 bodily-injury limit, a Georgia pre-suit offer that expires at 5:00 p.m. ET on Tuesday, and one condition on page four nobody has started. Here is Monday morning, screen by screen, in the working solution.
Lorraine opens the clock board: 13 demands open, 2 under 72 hours, 1 found today, 0 missed in 2026 out of 186 received. At the top, Barnwell v. Pruitt counts down from 30:59 — and below it a second, shorter clock: act by 4:30 p.m. today, the last overnight pickup. Of its eight conditions, one is red.
“Condition 5 not started. Payment shall be made by wire transfer only … A check, draft or any other form of payment will be treated as a failure to accept this offer. — page 4, paragraph 3.”
Ashby & Delacroix sent the offer by certified mail to the Macon branch, not the claims office. The demand finder read it in the scanned branch mail at 14:20, at 98% confidence, and it was on the board at 14:31 with Marcus Hale and Lorraine told. Every letter, email and fax is screened wherever it lands — 1,284 items today alone.
Anything under 90% confidence goes to intake staff — the finder never discards or files away mail.
Every open demand sits on the board by time left, in its own state’s time. Barnwell must be received by 5:00 p.m. tomorrow by statutory overnight delivery or certified mail, so its act-by is today’s 4:30 p.m. pickup. Gadsden expires at noon on a Saturday, so its act-by moves to Friday. Halvorsen gives 60 days where Missouri requires 90 — the clock runs to the earlier, stated date.
A click on the red condition opens the nine-page letter at page 4. Each condition sentence is highlighted, with a margin note giving its number and status, and the checklist on the right quotes every one: pay the $100,000 limit, written acceptance received by 5:00 p.m. ET Oct 13, the Exhibit C limited release unmodified, the insured’s sworn affidavit, certified declarations, the Northfield Regional lien paid from proceeds.
Margin note beside the wiring instructions: “Do not use these instructions alone — Treasury verifies the account by a callback to an independent number.”
The offer is made under O.C.G.A. § 9-11-67.1, so Georgia’s rule applies: at least 30 days from receipt — 32 given; certified mail or statutory overnight delivery, so email will not count. The release was compared word for word: a limited release under § 33-24-41.1, with no indemnity or hold-harmless clause. Each state’s rule shows who in claims counsel reviewed it and when.
The checker never decides whether a demand is valid — claims counsel does.
Lorraine starts the wire set-up. The response drafter writes the request — $100,000 to the firm’s IOLTA trust account in Exhibit E — and the claim matcher checks the firm’s W-9 against its State Bar record. Marcus calls the firm at its State Bar directory number, not the one in the letter, and confirms the account. Treasury sets up payee TR-55102: the wire is booked for Wednesday, Oct 14, inside 10 days of acceptance, and no check will be cut.
Mr. Pruitt’s affidavit comes back signed and notarised. The acceptance is drafted in Wrenfield Mutual’s letterhead, each paragraph tagged with the condition it answers — the limit, the delivery method, the Exhibit C release, payment by wire on October 14, the affidavit, the two certified declarations pages, the lien. Beside it, the checklist reads 5 met, 3 in hand.
The $100,000 acceptance is within Lorraine’s authority. Signing waits until no condition is left unstarted; the signature records its meaning and the time in the response record. Claims counsel co-signs next, because a slip on the release or the payment method would count as a rejection.
“Meaning of this signature: I accept the offer on its stated terms, and every condition is met or in hand.”
Adaeze co-signs after checking the wire and release terms. The acceptance is booked by statutory overnight delivery, tracking 7741 2093 6610, for delivery by 10:30 a.m. Tuesday — 6 h 30 m before the deadline, with certified mail as a backup. The response record, from the Macon branch receipt to the courier booking, is sealed as RR-26-0418 and filed to claim BI-2026-118204.
“Sealed as RR-26-0418 and filed to claim BI-2026-118204 — it cannot be edited.”
No time-limited demand was answered late in 2026: 0 of 186. Forty-one arrived somewhere other than the claims office and were on the board in a median of 1.4 hours; the longest took 6.2 hours, a Saturday fax. The year before the board, two demands were answered late, and one became a bad-faith suit settled for $1.85 million above a $100,000 limit.
Five people a demand letter has to reach — from the mailroom to the VP — what their week looked like, and what it looks like now.
Six specialist agents find each demand, pull out its conditions and keep its clock; the claim supervisor decides and signs.
Reads every email, scanned letter, fax and portal upload across claims mailboxes, 31 branches and agent forwards, and flags time-limited and policy-limits demands with the time they were received.
Ties a demand to its claim, policy, limits, insured and adjuster by claim number, insured, claimant, date of loss and policy, and tells the adjuster and supervisor the deadline.
Pulls every condition the letter imposes — amount, timing, delivery, release, payment method, affidavits, records, liens — as a checklist item with the quoted sentence and page, and marks the ones where a slip is a rejection.
Tests each demand against its state’s rules on time, delivery, content and release, cites the statute, and sends anything that does not fit to claims counsel.
Every hour, computes each deadline in the right time zone, the statutory floor and an act-by that allows for delivery, moves weekend deadlines to the last business day, and escalates at 72, 48 and 24 hours.
Drafts the acceptance or response with one paragraph per condition in the carrier’s template, states the delivery method, and builds the response record with each condition’s proof.
Signs; claims counsel co-signs flagged demands. The agents propose; a named person decides.
Supervisors, adjusters and counsel can ask about any demand, condition or state rule — or tell it what to change. Every answer cites its source.
What stands between us and accepting Barnwell?
One condition not started, one in hand. Condition 5 on page 4 says payment must be by wire only to the firm’s trust account within 10 days, and that a check counts as a rejection. No wire payee exists yet; Treasury needs 2 business days and a verified callback. Condition 6, Mr. Pruitt’s affidavit, is with the notary at 10:30 a.m. The acceptance must leave on the 4:30 p.m. courier to be received by 5:00 p.m. tomorrow.
Which demands do not fit their state’s rules?
One: Halvorsen v. Brightwell Moving (Missouri) gives 60 days to accept; RSMo § 537.058 requires at least 90 from receipt. It also lists 9 providers but encloses authorisations for 7. Adaeze Nwosu has it; the clock still runs to the earlier, stated date — Dec 4.
Which demands expire on a weekend?
Gadsden v. Merriweather Farms expires at noon on Saturday, Oct 17, and the firm’s office is closed on Saturdays. The act-by is Friday 4:30 p.m. Its farm-owner affidavit is not yet requested — the request is drafted for Marcus Hale.
Tell claims counsel at 72 hours, not 48
Done. Claims counsel is now told when a demand has 72 hours left, together with the supervisor. Two demands cross that line today: Ocampo v. Reyes-Tran (50 h) and Whitfield v. Gaskins Landscaping (80 h, tonight). Adaeze Nwosu has been sent both.
13 screens from the working solution, on its sample data. Pick one to see it large.
Clocks, escalations, authority and the mail the finder watches are settings, not a project.
| Setting | Default | Choose from |
|---|---|---|
| Always use the earliest deadline | Locked on | Letter date or statutory floor — whichever comes first |
| Courier cut-off | 4:30 p.m. | Earlier or later, in the sending office’s local time |
| Weekend and holiday deadlines | On — act-by moves to the last business day before | On · Off |
| Tell the supervisor and adjuster | 72 h left | Raise or lower, in hours |
| Tell claims counsel | 48 h left | 48 h · 72 h, on request |
| Tell the VP, casualty claims | 24 h left, unless signed | Raise or lower, in hours |
| Page the supervisor when the act-by is under | 8 h | Raise or lower, in hours |
| Authority to sign | Supervisor up to $100,000 · claims manager up to $250,000 · above: VP and counsel | A named approver and limit per level |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample claims data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published rule (Fla. Stat. § 624.155(4): Florida’s 90-day safe harbor to tender limits after actual notice). Statutes are named as context, not legal advice. People, firms, carriers and claims named on this page are fictional — characters and sample data in the working solution.
It is the work of finding every policy-limits demand that sets a deadline or conditions of acceptance, tracking its clock, meeting every condition and answering on time — with proof. Time-Limited Demand Management does it with six agents that find each demand, tie it to its claim, list its conditions, check its state’s rules and keep its clock, while the claim supervisor decides and signs.
The demand finder reads every email, scanned letter, fax and portal upload across claims mailboxes, branch mail scans, fax lines, the agent portal and insured forwards. Each demand is put on the board with the time it was received. Anything under 90% confidence goes to intake staff to confirm or dismiss.
Yes. The condition extractor lists every condition — amount, timing, delivery, release, payment method, affidavits, records, liens — as its own item, quoting the sentence with its page and paragraph, and marks the ones where a slip would count as a rejection, such as payment by wire only.
In the working solution: Georgia (O.C.G.A. § 9-11-67.1), Florida (§ 624.155), Missouri (RSMo § 537.058), California (CCP §§ 999–999.5), Texas (Stowers duty) and common-law rules for South Carolina, Tennessee and Arizona — each reviewed by claims counsel with a date. The checker flags what does not fit; counsel decides whether a demand is valid.
The clock keeper uses the earliest possible deadline — the letter’s date or the statutory floor — in each state’s own time zone, then sets an act-by that allows for the delivery method, such as the last overnight pickup. Weekend and holiday deadlines move the act-by to the last business day before. It never extends a deadline.
Yes. The agents never sign, send or pay. The claim supervisor accepts or rejects within authority and signs; claims counsel co-signs any demand with a state rule flag and wherever a slip counts as a rejection; above $250,000 the VP of casualty claims signs with counsel.
A sealed response record per demand: when and where it arrived, when it was found, each condition with its proof, the signatures and the delivery tracking. It is filed to the claim, exported for the claim file, and cannot be edited once sealed.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your state rules, authority limits, acceptance templates and a sample of past demand letters — and it goes live once every quality gate has passed. We will walk you through it on your own demands first.
Thousand-page demands read in full and answered before the deadline.
1-min demoBodily Injury Claim ValuationSettlement authority set from comparable closed files and local verdicts.
1-min demoLitigation Propensity PredictionFiles turning toward a lawsuit raised early, with the evidence behind each.
1-min demoWe’ll run Time-Limited Demand Management on a sample of your own past demand letters.