Here Are Some Common Questions About Us

OOPE will reach out to the adjuster to confirm all claim details and verify carrier guidelines. After, OOPE will call the policyholder to educate them on expense guidelines, acceptable receipts, and the reimbursement process.

No, adjusters will no longer upload or audit receipts. After they submit claim information and carrier expense guidelines to OOPE, OOPE will be the main point of contact for education and questions regarding all expense-related aspects of the claim.

OOPE’s Recommended Reimbursement (RR) is the estimated dollar amount we suggest an adjuster consider for reimbursement based on the policyholder’s submitted receipts and their pre-loss spending habits.

It is calculated by comparing total approved daily expenses to the Normal Daily Spending Before Loss.

OOPE's RR is a non-binding recommendation. It is not a guarantee of payment. Final reimbursement decisions are made solely by the insurance carrier and adjuster.

OOPE’s RR is based only on the information provided by the policyholder and/or obtained through OOPE’s own review process. The adjuster and insurance carrier may consider additional factors, including, but not limited to, policy coverage limits, documentation, and internal procedures, when determining the actual reimbursement amount.

Your Normal Daily Spending Before Loss represents your average daily living expenses before the covered loss, such as groceries, meals, and other necessary costs.

This amount is either determined by your adjuster or estimated based on your household’s typical spending. It sets the baseline for what you would normally spend each day.

OOPE uses this dollar value to calculate your Recommended Reimbursement. It reflects only reasonable additional costs and does not include luxury or excessive spending.

No, OOPE does not issue any form of payment to the policyholder. Your adjuster and insurance carrier will make the final decision on your reimbursement amount and issue payment directly to you.

What Does OOPE Do?

• Helps policyholders understand what expenses they can submit for reimbursement
• Collects and organizes receipts through our secure app and web portal
• Reviews receipts using your carrier’s guidelines
• Prepares a line-item summary of your expenses
• Provides a Recommended Reimbursement amount to help guide your adjuster

What OOPE Does Not Do

• OOPE does not make the final decision on your reimbursement
• All final decisions are made by your adjuster and insurance carrier
• Our recommendations and reviewer comments are for reference only
• Reimbursement amounts may be adjusted based on policy terms and carrier discretion

What to Expect in Your Report

• Recommended Reimbursement: Our audit-based estimate of eligible additional expenses
• Approved or Declined Items: Based on alignment with your carrier’s guidelines
• Reviewer Comments: Notes to explain our reasoning and categorization
• Normal Daily Spending Before Loss: A daily dollar ($) baseline used to calculate eligible reimbursement

Policyholders can submit receipts to expense@teamoope.com and OOPE will upload their receipts into their account.

OOPE offers an iOS app for policyholders to upload receipts on the go and a web portal for those who prefer to work on a computer or do not have an Apple product. We are currently developing the Android version. Policyholders can also mail their receipts to the OOPE team.

Adjusters will receive a PDF containing an overview of the policyholder’s spending, categorized by type, month, and day. The report includes line items for each receipt with approval or denial statuses and supporting images of each receipt.

Only JPEG and PNG files are accepted.

Unitemized receipts may or may not be approved based on the adjuster or carrier guidelines.

OOPE audits receipts for Food and Meals, Housing and Hotels, Transportation, Utilities, and Miscellaneous.

Yes, please reach out to Hello@TeamOOPE.com for more information.

OOPE can provide a SOC 2 Type 2 audit report. We maintain secure data handling protocols and continuously monitor for compliance and security threats.