Property claims automation, with fraud investigation built in
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 minutes.
In short
Hesper AI's agents read the policy and its endorsements, extract the loss facts from photos, estimates, and reports, correlate damage against weather and satellite data, and quantify the claim. Clean property claims resolve straight through. Files with occupancy, contractor, or fabricated-damage flags get a full investigation-grade workup before any payment is authorized.
Last updated
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.
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 and OEM material costs.
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.
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.
Manual workflow vs. Hesper
Every phase compresses. The cumulative effect is the difference between a two-week cycle and a decision in minutes.
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
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.
Weather and satellite correlation
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.
Repair estimate validation
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.
Policy history and ring analysis
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.
Investigation report and recommendation
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.
Annual US property and casualty insurance fraud losses
2022 study, all P&C lines
Source: Coalition Against Insurance FraudOf P&C claims involve some fraud
Share of property-casualty losses
Source: Coalition Against Insurance FraudHesper AI investigation time per claim
Hesper internal benchmark. Vs. 14+ days manually
Fraud signals per document analyzed
Hesper internal benchmark. Pixel-level plus text-level
Property claims automation, answered
How does AI claims automation shorten a property claim cycle?
The average US homeowners claim runs 40.7 days from first notice to final payment, per J.D. Power's 2026 property claims study. Most of that is waiting - for documents, for a coverage read, for an estimate review. Hesper's agents do that work in parallel, so the file reaches a decision-ready state in minutes instead of sitting in a queue.
Can AI read a homeowners policy and its endorsements to confirm coverage?
Yes. Coverage verification is one of the eight lifecycle stages Hesper runs. The agents analyze the full policy form and every endorsement, produce a cited coverage position that points back to the exact language, and draft reservation-of-rights and coverage letters. The coverage decision and the signature stay with your adjuster.
How does Hesper spot inflated repair estimates or contractor collusion?
Repair estimates and invoices are checked for altered line items, duplicated scope, and amounts outside regional benchmarks. The agents also map which contractors, public adjusters, and vendors keep appearing together across unrelated claims, which is how collusion shows up in evidence before it shows up in the loss ratio.
Can Hesper verify that a weather event actually caused the damage?
Damage photos are correlated against weather and satellite records for the reported date and location, and photo metadata is checked for reuse, editing, and AI generation. When the damage pattern does not match the storm that is supposed to have caused it, that discrepancy lands in the evidence file with its sources cited.
How does Hesper help during a CAT surge?
Software attention is not the bottleneck human attention is. Through a surge the agents keep working intake, coverage analysis, and damage quantification at the same rate, so clean claims resolve straight through and your adjusters spend their time on the complex and suspicious files rather than on triage.
What does Hesper produce at the end of a property claim?
An evidence file per claim: an executive summary, the supporting source documents, a reconstructed timeline, the cited coverage position, risk scoring with its rationale, and recommended next actions. It exports as a PDF or through the API into your claims system, and every agent action is logged with its source and timestamp.
Go deeper on property claims fraud
Research, technical deep-dives, and playbooks from the Hesper AI team.
See Hesper investigate your property claims
We'll run a sample investigation on your real flagged claims and show you the evidence package and report it produces.