Use Cases / Property Claims

Property claims investigation, fully automated

Property fraud - staged damage, inflated repairs, arson, weather exploitation - costs insurers billions annually. Most carriers can't investigate every flag. Hesper AI runs a full investigation on every claim in 2-4 hours.

Investigation in progress

PROP-2026-112040

Residential water damage · $62,800 exposure

Running

12m elapsed

Progress20%

Investigation phases

✓

Damage photo pixel-level analysis4m

Weather & satellite correlation

Repair estimate forensics

Policy & loss history check

Ring & contractor network scan

Evidence gathered2 items

PolicyCoverage active since 2023-11-04

PhotoDamage shows pre-existing water staining under 'new' damage⚠

Risk score

Low signal

28

/ 100

[01] Fraud patterns

Common property fraud schemes

Property fraud spans individual exaggeration to organized rings exploiting catastrophe events. Hesper investigates every flagged claim across all four schemes simultaneously.

Est. loss impact

~$12B

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.

How Hesper detects it

Photo manipulation detectionMetadata timestamp analysisAI-generated image detectionScene inconsistency

Est. loss impact

~$8B

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 and OEM material costs.

How Hesper detects it

Document alterationFont anomaly analysisCost benchmarkingMaterial verification

Est. loss impact

~$2B

Arson indicators

Fires set intentionally to collect insurance payouts. Hesper AI investigates financial stress indicators, prior claim patterns, policy changes before the loss, insurance-to-value anomalies, and connections to known arson-for-profit rings.

How Hesper detects it

Financial stress analysisPolicy change timelineNetwork ring detectionLoss history patterns

Est. loss impact

~$5B

Weather event exploitation

Pre-existing damage attributed to a covered weather event. Hesper AI cross-references claim dates with actual NOAA weather data, analyzes satellite imagery timelines, and detects inconsistencies between reported and actual storm paths.

How Hesper detects it

NOAA weather correlationSatellite imagery timelineStorm path verificationPre-existing damage detection

[02] Timeline compression

Manual workflow vs. Hesper

Every phase compresses. The cumulative effect is the difference between a two-week cycle and a same-day decision.

Investigation phase

Manual workflow

Hesper AI

Damage photo forensics

Inspector + SIU review, 3-5 days

Automated, 4 min

Weather verification

Manual NOAA query, 2-4 hrs

API correlation, 30 sec

Contractor estimate review

Adjuster review, 1-2 days

AI analysis, 11 min

Prior claims / ring check

ISO ClaimSearch manual pulls, 1 day

Automated, 9 min

Report assembly

Adjuster write-up, 4-8 hrs

Auto-generated, 0 min

Total time

14-21 days

2-4 hours

[03] Investigation flow

How Hesper AI investigates a property claim

Every property claim runs through a structured investigation pipeline. Phases run in parallel where dependencies allow.

Damage photo and document ingest

~4 min

Damage photos, contractor estimates, inspection reports, and proof of ownership are analyzed across 200+ fraud signals. Every image is evaluated at the pixel level for manipulation, AI generation, and metadata inconsistencies.

Pixel-level forensicsEXIF analysisAI-generation detectionPDF structure inspection

Weather and satellite correlation

~6 min

Loss dates are cross-referenced against NOAA weather records, Storm Prediction Center data, and historical satellite imagery. The system flags claims where the reported event is not substantiated by independent weather data.

NOAA cross-referenceSatellite timelineStorm path analysisEvent substantiation

Repair estimate validation

~11 min

Contractor estimates are analyzed for line-item alterations, font rendering mismatches, cost inflations vs regional benchmarks, and material pricing against current OEM data. Contractors are cross-referenced against the carrier's flagged-vendor list.

Cost benchmarkingFont anomaly detectionLine-item forensicsVendor verification

Policy history and ring analysis

~9 min

Prior claims, policy changes near the loss date, and insurance-to-value ratios are evaluated. Claimants, contractors, and adjusters are mapped into a network graph and cross-referenced against known arson-for-profit rings.

Prior claims reviewPolicy timelineRing graph analysisISO ClaimSearch match

Investigation report and recommendation

~12 min

A complete investigation report is generated with weather correlation, photo forensics findings, contractor benchmarks, network diagrams, and a denial or payment recommendation. Output is SIU-ready and litigation-defensible.

Weather correlationPhoto findingsCost analysisSIU-ready output

[04] By the numbers

$0B

Annual property insurance fraud losses in the US

Across residential and commercial

Of P&C claims involve some fraud

Per industry estimates

2-4h

Hesper AI investigation time per claim

Vs. weeks manually

Fraud signals per document analyzed

Pixel-level plus text-level