It sounds straightforward and rather simple.
We have carried out many re-insurance audits, claims co-operation, treaties, reviews as well as cut-off situations with regards to insurance companies.
Insurance companies, namely their staff, could be unaware of specific terms and conditions stipulated in the re-insurance contracts. Information may get diluted and therefore not perfectly put in place following re-insurers intentions.
It may happen that by sheer misunderstanding, risks are bound under a certain contract rather than another one.
Re-insurance terms and conditions are usually set in different languages and hence not always comprehensible to everybody. Something which was meant to be re-insured in one country is not necessarily insured in another.
Re-insurers loss adjuster may help to evaluate losses correctly and guide the re-insured where his specific skills could be needed.