Vericlaim reads the photographs and the claimant’s account, checks both against file forensics and independent records, and reports every finding with the innocent explanation beside it.
An aid to investigation, not a decision. The adjuster decides.
An investigator who reads only the first two walks into an interview believing something a five-minute answer can dissolve. So the innocent explanation is printed beside the reason, at the same size, on every finding.
One sentence, in plain words. No detector names, no log-odds.
The evidence behind it, cited: the photograph, the words in the account, or the record it contradicts.
The most plausible innocent explanation, so the question to ask is obvious before anyone is accused of anything.
The model produces findings, each tied to cited evidence. A published rubric turns findings into a number, so the score can be reproduced, calibrated, and explained to a regulator.
Metadata, provenance, and every image this carrier has seen before.
Weather, daylight and the vehicle record at the stated time and place.
One pass per question, every observation pinned to image coordinates.
Where the account and the evidence cannot both be true.
Every finding is argued against before it counts.
A published rubric turns findings into a number. The model never does.
Each band carries an action. None of them is “deny”.
No action. Process normally.
Note in file. No investigation warranted.
Put the suggested questions to the claimant before settling.
Recommend referral to the Special Investigation Unit.
These are constraints built into the system, not settings. There is nowhere in it to put a claimant’s name.
“We will not quote an AI-detection accuracy number.”
Detecting generated images from pixels alone does not hold up on a generator the detector was not built against. Our defence is the record: a generated image cannot know the weather, the light, or the vehicle on file.
The score is provisional until it has been checked against real claim outcomes, and every report says so.
Honest limits