Sheet 00Pre-loss lookup
Check the roof against the archive before you send anyone back out.
Claims Integrity pulls archive imagery from before the date of loss for a claimed address and sets it beside the current view, with a short note for the claim file.
- Product
- Pre-loss imagery lookup
- GSD
- ≤0.3 m (VHR)
- Platform
- VHR satellite / aerial
- Spectral
- RGB
- Cadence
- Event-driven, one lookup per claim
Sheet 01
When the photos only show the roof as it is now
A homeowners claim comes in after a storm date, and the damage in the claimant's photos looks older than the storm to the investigator at the desk. A photo alone doesn't show when it was taken.
So the choices are a second inspection, which means a trip, access to the property and a wait while the claim clock runs, or a decision from what the claimant supplied. Neither one shows what the roof looked like on the date of loss, which is the only question the referral needs answered.
Sheet 02
A second inspection, or a pre‑loss lookup
| Step | Today | With Claims Integrity |
|---|---|---|
| R-01What the property looked like before the loss | The claimant's photos, a prior underwriting inspection if one is on file, and whatever the claimant says about the roof's age and condition. | An archive pass from before the date of loss, pulled against the address, with its capture date and source. |
| Still yoursDeciding whether what shows matters to the claim. | ||
| R-02The second look | An adjuster goes back to the property. That takes scheduling, travel and access from the owner. | A desk lookup from the address and the date of loss. Nobody drives out. |
| Still yoursSending an adjuster when the imagery can't settle the question. | ||
| R-03Dating the evidence | Photo timestamps and the claimant's account of when the damage happened. | The capture date and source of each frame, written into the pass metadata. |
| R-04Writing it up for the file | The investigator's own file notes on what they looked at and why it raised a flag. | A short comparison note that says whether damage is visible before the loss date, or that none is, with the image pair attached. |
| R-05The referral call | SIU weighs the red flag indicators, the interview and the inspection, and decides where the claim goes. | The same call, made with a dated before and after in the file. |
| Still yoursAll of it. The lookup shows what was visible from above, and the investigation stays with SIU. | ||
Sheet 03
What comes back for each address
F-01Image pair
Before and after image pair
The closest usable archive frame before the date of loss, next to a current or claim-date view, both dated. One pair per address. This serves the first and third rows of the comparison.
F-02Written note
Comparison note
A short note per address that says whether damage is visible in the earlier frame, and what you can see and what you can't. Written to be attached to the claim file or a referral.
LedgerR-04
F-03Capture date and source
Pass metadata
Capture date and source for each frame, for your chain of custody record. If the closest usable pass sits far from the loss date, the gap is stated in days.
LedgerR-03
Sheet 04
How it works
01
Claim intake
Your desk flags a claim. Nothing changes here.
02
Send the address and date of loss
The address and the date the claimant gives. Add the claimed peril if you like, so the note looks for the right kind of damage.
03
Archive search
We look for the closest usable pass before the date of loss. A cloudy or partial frame is passed over, and if nothing usable exists we say so.
04
Compare
The earlier frame is set against the current or claim-date view, and the note records what is visible in each.
05
Into the file
The pair, the note and the pass metadata come back before you schedule an inspection or finish the referral.
Sheet 05
Limits
- L-01Resolution floor
- At 0.3 m one pixel is about a foot across. A collapsed section, a tarp, a hole in the roof, a burned area or debris in the yard can show. Individual shingles, hail bruising, small punctures and hairline cracks can't, at any pass we could source. Dents and scratches on a vehicle are far below it.
- L-02Only from above
- Optical imagery shows roof and ground. It can't see inside a building, under a roof covering, or much of a wall.
- L-03Coverage and cloud
- There may be no usable pass near the loss date. Clouds, haze and shadow can spoil the closest frame. When that happens the note gives the closest available date and its gap from the loss date. It never fills the gap with a guess.
- L-04Time between passes
- A frame from well before the loss can't say what happened in between. The note says how wide the gap is, and whether the earlier frame shows damage is a separate question from whether it happened after.
- L-05Not a verdict
- The lookup shows what was visible from above on a given date. It doesn't prove fraud, pre-existing damage or what the claimant intended.
- L-06Per claim, not a feed
- It runs when you ask. There is no watchlist, no monitoring of addresses, and no same-day promise.
Sheet 06
Who it's for
Keep doing what you do if
- The question is about the inside of a building, a vehicle's body damage or fine surface detail.
- You want a fraud score or a decision made for you.
- You need continuous monitoring of a whole book of addresses.
Switch if
- You work referrals in an SIU and often ask the field for a second inspection on roof or structure damage.
- Your file needs a dated picture of the property from before the loss, and the claimant's photos are all you have.
- You want an extra piece of evidence for the file, not a score.
Sheet 07
Questions before a pilot
Q01Does this prove fraud?
No. It shows what was visible from above before the date of loss. What that means for the claim is for SIU.
Q02What if there is no pass before the loss date?
The note gives the closest available date and how far it is from the loss date. It doesn't guess what was there.
Q03Does cloud cover block a lookup?
It can. If the closest pass is cloudy or shadowed, the frame may be unusable for that address, and the note says so.
Q04Can it see damage on a car, or inside a building?
No. Optical imagery shows what's visible from above, and a vehicle's body damage is below the resolution.
Q05How do we check it against our own files?
Pick closed claims where you already know the answer and send us the addresses and loss dates without the outcome. Compare the notes with what your investigators found and decide whether it would have helped.
Q06Can we use the pair as evidence?
The pair comes with the capture date and source, for your chain of custody record. Whether it meets your counsel's standard for a particular file is their call, so ask legal early.
Q07What happens to the addresses we send?
How we store and handle claim addresses is written into the pilot agreement. Ask for it before you send the first one.
Q08How does it fit our claim system?
It comes as files to attach to the claim file. We don't write into your claim system.
Q09How is a pilot priced?
We quote each pilot. There is no number on this page.
Try it on the claims on your desk.
Send a handful of addresses and loss dates and see what the archive shows. We'll tell you where it can't help.
Start a pilot