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 hours.
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 same-day decision.
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 minDamage 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
~6 minLoss 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
~11 minContractor 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
~9 minPrior 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
~12 minA 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 property insurance fraud losses in the US
Across residential and commercial
Of P&C claims involve some fraud
Per industry estimates
Hesper AI investigation time per claim
Vs. weeks manually
Fraud signals per document analyzed
Pixel-level plus text-level
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.