Use Cases / Property Claims
Property claims investigation, fully automated
Property fraud costs insurers $34 billion annually. Staged damage, inflated estimates, and weather event exploitation slip past manual review. Hesper AI investigates every property claim in under 60 minutes.
[01] Fraud Patterns
Common property claims fraud schemes
Property fraud ranges from opportunistic exaggeration to organized arson-for-profit rings. Hesper AI is trained to detect the specific patterns behind each scheme.
Staged or fabricated damage
Claimants damage their own property or fabricate losses entirely. Hesper AI analyzes damage photos for pixel manipulation, metadata inconsistencies, and AI-generated imagery - then cross-references scene evidence with weather data and incident reports.
Inflated repair costs
Legitimate damage with inflated contractor estimates. Hesper AI validates repair documents for altered amounts, detects font rendering inconsistencies in estimates, and cross-references costs against regional pricing databases.
Arson indicators
Fires set intentionally to collect insurance payouts. Hesper AI investigates financial stress indicators, prior claim patterns, policy changes before the loss, and connections to known arson-for-profit rings.
Weather event exploitation
Pre-existing damage attributed to a covered weather event. Hesper AI cross-references claim dates with actual weather data, analyzes satellite imagery timelines, and detects inconsistencies between reported and actual storm paths.
[02] Investigation Flow
How Hesper AI investigates property claims
Every property claim runs through a structured investigation pipeline - from document forensics through network analysis to a complete, audit-ready report.
Document ingestion and forensic analysis
All claim documents - damage photos, repair estimates, contractor invoices, policy documents - are ingested and analyzed across 200+ fraud signals. Pixel-level forensics detect manipulation in photos and altered amounts in estimates.
Scene and damage verification
Damage photos are analyzed for consistency with the reported cause of loss. Weather data, satellite imagery timelines, and incident reports are cross-referenced to verify the claim narrative matches physical evidence.
Entity and contractor validation
Claimant identities, contractor licenses, and business registrations are verified against authoritative databases. Hesper AI flags unlicensed contractors, recently formed businesses, and entities linked to prior fraudulent claims.
Network and pattern analysis
Claims are mapped against historical patterns to identify shared contractors, repeat claimants, and organized fraud rings. Hesper AI detects clusters of related claims that individually appear legitimate but collectively reveal coordinated fraud.
Investigation report and resolution
A complete, audit-ready investigation report is generated with evidence citations, risk scores, and recommended actions. Denial justifications, SAR filings, and referral packages are prepared automatically.
[03] By the Numbers
Annual property insurance fraud in the US
Of property claims involve some form of fraud
Hesper AI investigation time per claim
Investigation phases fully automated
See a property claim investigation in action
Book a 30-minute demo and watch Hesper AI investigate a real property claim from intake to audit-ready report.
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