Full cycle adjusting, intermediary and subcontract capacity, independent claim review and quality assurance, claims operations and efficiency consulting, and building consulting. Delivered to carriers, MGAs, TPAs, program managers, independent adjusting firms, and self insured entities.
Six situations account for most of the work this practice takes on.
General adjuster level authority, coverage analysis, and settlement negotiation on complex commercial structures, associations, and multi building complexes, including a documented $85 million loss.
Large loss capabilityThe firm works as a subcontractor and intermediary to IA firms, TPAs, and program managers, taking overflow and specialty assignments in the partner's systems and under the partner's program.
Intermediary and subcontract capacityEstimate review, reinspection, closed file audit, and reserve accuracy review delivered as a standalone engagement with a written findings report.
Claim review and quality assuranceTouch and cycle time analysis, leakage review, guideline development, quality assurance program design, and vendor panel evaluation, with prioritized recommendations.
Efficiency consultingBuilding consulting and forensic evaluation of roofing, cladding, fenestration, and water intrusion to establish scope, causation, and repair cost on files that will be challenged.
Building consultingWhere a federal grant and a policy cover the same building, Stafford Act Section 312 governs the offset. This firm works both sides of that seam.
Section 312 explainedTwenty five years of property and casualty catastrophe experience applied to losses, to books of files, and to the operations that produce them. Assignments are accepted under the client's guidelines and systems, with Xactimate based estimating and multi state reciprocal licensure for nationwide deployment.
Complex commercial structures, condominium and homeowner associations, and multi building complexes handled end to end, including documented experience on an $85 million Gulf Coast commercial loss drawn from thousands of claims handled over more than 25 years. General adjuster level authority, coverage analysis, business interruption coordination, and settlement negotiation.
Rapid response field adjusting and deployment oversight for hurricane, hail, wind, tornado, wildfire, and flood events anywhere in the country. The firm mobilizes on a client's deployment call, scales from single assignments to multi inspector teams, and quality controls inspections at scale.
Remote desk adjusting, virtual inspection review, and complete file management to the client's standards. Overflow, large loss, and specialty assignments handled with audit ready documentation from first notice of loss through closeout, with one accountable point of contact who knows the file start to finish.
Capacity delivered through a partner rather than directly. The firm subcontracts to independent adjusting firms, third party administrators, program managers, and staffing partners, working in the partner's systems and under the partner's program and brand. Useful when a partner holds the carrier relationship but needs senior authority, licensed field capacity, or specialty expertise on a file or an event.
Estimate review, reinspection, closed file audit, reserve accuracy review, and adjuster and vendor performance review, delivered as standalone engagements. The firm does not need to have handled the file to review it. Deliverables are written findings with the evidence attached, built to hold up in an internal audit, a market conduct examination, or a reinsurance review.
Diagnostic work on the claims operation itself: cycle time and touch analysis, indemnity leakage and severity review, guideline and best practice development, quality assurance program design, vendor panel evaluation, catastrophe response planning, and staffing model review. The output is a prioritized findings report a claims executive can act on.
Building and repair consulting on contested losses: scope of loss development, unit cost and estimating methodology, code and ordinance or law requirements that drive the repair, constructability and repair versus replace analysis, and reconciliation of competing contractor estimates.
Forensic evaluation of roofing, cladding, fenestration, and water intrusion to establish scope, causation, and cost. The analysis distinguishes storm created damage from wear, deferred maintenance, and pre existing conditions, and it holds up on files that go to appraisal or suit.
Certified under the National Flood Insurance Program at every authority level: RCBAP, commercial, homeowners, and mobile home, with the documentation discipline federal and carrier audits require. Write Your Own carrier assignments handled to NFIP standards.
Losses on facilities that also draw federal disaster funding. The firm reconciles carrier settlements against FEMA Public Assistance scopes under Stafford Act Section 312, which is the discipline that keeps obligated grant funds from being deobligated at closeout.
Every assignment follows a documented lifecycle so the file withstands audit, appraisal, or examination.
Intake under client guidelines, coverage confirmation, and contact within service level windows.
Field or virtual inspection, damage documentation, measurements, and photo record.
Scope of loss, causation analysis, and Xactimate estimate to client standards.
Coverage application, negotiation, and reserve reporting through resolution.
Audit ready file, supplements as warranted, and clean closeout documentation.
| NAICS | Description | Role |
|---|---|---|
| 524291 | Claims Adjusting | Primary |
| 541350 | Building Inspection Services | Secondary |
| 541618 | Other Management Consulting Services | Secondary |
| 524210 | Insurance Agencies and Brokerages | Licensed producer |
Program, licensing, and documentation references that come up on the files this practice handles.
The practice runs from daily residential assignments through large loss commercial and condominium claims. The firm's principal managed a single commercial loss of $85 million placed through the London market. Complex files are directed by the firm's executive claims leadership.
Yes. The firm works as a subcontractor and intermediary to independent adjusting firms, third party administrators, program managers, and staffing partners. In that role it takes overflow and specialty assignments under the partner's brand and program, provides senior file oversight, or supplies licensed field capacity on a deployment without holding the carrier relationship.
That is a large part of the practice. Estimate review, reinspection, closed file audit, reserve accuracy review, and vendor and adjuster performance review are all delivered as standalone engagements. The firm does not have to have touched the file to review it.
Cycle time and touch analysis, leakage and severity review, reserve accuracy, guideline and best practice development, quality assurance program design, vendor panel evaluation, and catastrophe response planning. The output is a written findings report with prioritized recommendations, not a software product.
Yes. NFIP flood certification is held at all four levels: RCBAP, commercial, homeowners, and mobile home. Write Your Own carrier assignments are handled to NFIP standards.
No. Okla Risk Advisors is not a public adjusting firm. The claims practice serves insurance carriers, MGAs, TPAs, program managers, independent adjusting firms, and self insured entities. The firm's settlement work for governmental and tribal clients is independent consulting and reconciliation, not policyholder advocacy.
Tell us what you need. You will get a candid answer about how the firm can help and who would do the work.
Not a law firm. Okla Risk Advisors and Choctaw Strategies, LLC are not a law firm and do not provide legal advice or legal representation. The firm’s principal is not a licensed attorney. The Master of Legal Studies in Indigenous Peoples Law is a non attorney graduate degree. Nothing on this site creates an attorney client relationship, and nothing here should be relied on as legal advice. Clients are encouraged to retain their own counsel, and the firm routinely works alongside tribal, corporate, and outside counsel.
Not a public adjusting firm. The firm does not represent policyholders as a public adjuster and does not solicit public adjusting engagements. Claims work is performed for insurance carriers, managing general agents, third party administrators, program managers, independent adjusting firms, and self insured entities. Work for governmental and tribal clients is independent consulting and reconciliation, not policyholder advocacy. Adjusting services are provided only where the firm holds the required license or a valid reciprocal or emergency designation.
Expert, appraisal and umpire engagements. Availability is subject to conflict clearance and to any licensure, registration, or appointment requirements of the jurisdiction and the policy at issue. Some states regulate who may serve as an appraiser or umpire. The firm confirms its ability to serve before accepting an engagement. The firm accepts one role per matter and does not serve as both a party appointed appraiser and a retained testifying expert in the same dispute. No representation is made as to the outcome of any matter.
Not a government agency. The firm is not affiliated with, endorsed by, or authorized to speak for the Federal Emergency Management Agency, the Department of Homeland Security, the Small Business Administration, the Bureau of Indian Affairs, the Indian Health Service, the Choctaw Nation of Oklahoma, or any other government or tribal government. Program summaries on this site describe public documents and are provided for reference. Federal program status and eligibility change without notice, and the governing regulation, policy, or notice of funding opportunity controls. The firm does not guarantee that any grant, obligation, appeal, award, or reimbursement will be approved or received.
Socioeconomic status. Choctaw Strategies, LLC is wholly owned by one individual who is an enrolled citizen of the Choctaw Nation of Oklahoma. This is individual Indian ownership. The company is not a tribally owned enterprise, an Alaska Native Corporation, or a Native Hawaiian Organization, and it does not hold the sole source authorities reserved to those entities. Indian Economic Enterprise and Indian Small Business Economic Enterprise status is self certified under the Buy Indian Act. The SBA 8(a) Business Development application is pending and no 8(a) certification is claimed. All representations are subject to verification in SAM.gov.
© 2026 Choctaw Strategies, LLC d/b/a Okla Risk Advisors. Content is provided for general information only and is not a substitute for professional advice on a specific matter. chrischambers@oklariskadvisors.com