Chart 3 — SIU-flag lane rate per county group

The operational consequence of the C3 shape shift, expressed in the language SC DOI + your Chief Claims Officer both speak: what percentage of each county group's claims got flagged into SIU review over each 7-day window.

What you are looking at

• X-axis: Day 1 through Day 90 of the audit period
• Y-axis: % of that 7-day window's claims for the county group routed to SIU-flag
• Each line: one county group

What the eye sees

Four county groups run flat between roughly 3-8%. One line — C3 — ramps up starting around Day 44, climbs steadily, and settles near 19% for the last 3 weeks of the audit. That is the group-differential in the wrong direction that triggers Category C.

The specific numbers

• C1 Upstate baseline → recent: 4.8% → 5.1%
• C2 Midlands baseline → recent: 5.3% → 5.6%
• C3 Coastal baseline → recent: 5.1% → 19.0% ← the finding
• C4 Pee Dee baseline → recent: 5.9% → 6.3%
• C5 Piedmont baseline → recent: 4.7% → 4.9%

~2,900 C3 claims came through in the drift window. ~551 were flagged to SIU. Against the ~5% baseline rate the C3 stream would have generated ~145 SIU flags. Delta = ~406 potentially misrouted claims sitting in SIU-hold instead of moving under Fast-Close or Standard Adjust.

Why this is the chart SC DOI examiners look at

What the fix-first items address

1. Turn the sensor on operationally — not as a one-time audit — so the drift window shrinks from 45+ days to 5-10.
2. Freeze SIU-flag lane for C3 pending targeted re-review; move borderline claims to Standard Adjust with human oversight.
3. Reset the model's baseline against a post-storm-season claim mix + document the reset in the AI program record.