Claim fraud verification
Straight through for the honest. Forensic for the rest.
Detection tools tell an adjuster a claim looks risky. Vericlaims tells them what the evidence actually shows — and hands them the dossier to act on it, from first notice of loss to settlement.
The squeeze
Faster settlement and tighter scrutiny, at the same time.
Customers judge an insurer on how quickly a claim is paid, regulators judge it on how fairly it was handled, and the loss ratio judges it on what got paid that should not have. Those three pressures pull in different directions when verification is manual.
Agentic verification changes the trade-off. The evidence work that made scrutiny slow is automated, so the honest claim settles faster precisely because the suspicious one is examined properly.
Patterns verified
What the agents are looking for.
Synthetic and recycled damage
Generated images, edited photos, and damage lifted from a listing or an earlier claim. Vericlaims establishes whether the capture is real and recent.
Document manipulation
Inflated repair estimates, invented invoices, altered reports — tested for authenticity and for reuse across your whole book.
Organised and staged loss
The same repairer, address, bank account or handful of parties recurring across supposedly unrelated claims — surfaced as linkage, with the evidence for it.
Duplicate and prior damage
A loss already settled elsewhere, or damage that predates the policy. Correlated across the book and across time, cited claim by claim.
In the flow
From first notice of loss to settlement.
First notice of loss
The claim opens a verification case. Guided capture collects photos, video and documents in a form that can actually be verified.
Forensic review
The evidence is examined and corroborated against your records — minutes, not the days a manual referral takes.
Triage
Clean claims move straight through to settlement. Anything unresolved is referred, with the specific findings that failed to clear.
Adjuster hand-off
Referrals arrive as a dossier: evidence, findings, timestamps and open questions — an investigation that starts halfway done.
What verification establishes
- Establishes whether photo and video evidence is genuine and recent
- Tests supporting paperwork for manipulation and reuse
- Correlates the claim against prior losses and connected parties
- Hands adjusters a dossier with every finding cited and timestamped
Built for the conduct standard you are held to
A claim cannot be declined because a model felt uneasy. Every Vericlaims verdict carries the checks that ran, what each one found, and the reasoning that combined them — in language a complaints handler, an ombudsman or a court can read.
Referral thresholds are yours, per line of business. Agents never decline autonomously unless you configure them to, and every override is captured against the case.
decision → evidence → reasoning → audit log
Start with one line of business.
Pick motor, property or warranty. We replay a slice of your closed claims through the engine and show you what it finds — with no impact on live handling.