Evidence-led claims from incident to settlement

Capture location and imagery, use governed vision triage, dispatch assessors, and understand catastrophe exposure.

Business outcomeFaster, more consistent claims decisions with tamper-aware spatial evidence.

The operating situation

After a severe storm, a policyholder submits vehicle-damage images and location evidence. The insurer must guide capture, detect missing or contradictory context without overclaiming authenticity, run model-locked vision triage with human review, dispatch scarce assessors by eligibility and ETA, join hazard exposure, and retain explainable evidence through settlement and appeal.

PolicyholderClaims intakeAssessorFraud analystCatastrophe manager

Keep authority explicit across the stack

01Claims systemOwns policy, claimant, incident declaration, coverage, reserves, decisions, settlement and appeal.
02Consented capture and vision boundaryCollects guided media, device/location accuracy, timestamps, hashes, capture policy and disclosure; an entitled SkyDNN adapter locks model identity, validates bounded derived geometry and confidence, and never treats metadata or inference as proof by itself.
03Spatial enrichmentNormalizes incident place, joins versioned hazard/catastrophe layers and links every feature to its source and observation window.
04Assessment operationsRoutes incomplete, uncertain, sensitive, or high-risk claims to independent review and capable assessors, ranks eligible teams by network ETA and tracks field-task proof.
05Decision evidencePolicy engine and reviewer actions name exact submissions, enrichments, model fingerprints, rule versions and reasons; later evidence creates a revision and retention policy redacts derived detections without erasing audit.

From intent to reconciled outcome

1
Stage 1

Record consented incident location

Capture intent and source evidence without inventing a more precise state than the inputs support.

2
Stage 2

Capture guided photo evidence

Advance through an idempotent boundary, preserve stable Mappls identity, and expose freshness and ownership.

3
Stage 3

Run model-locked vision triage with human review bands

Advance through an idempotent boundary, preserve stable Mappls identity, and expose freshness and ownership.

4
Stage 4

Dispatch an assessor when needed

Advance through an idempotent boundary, preserve stable Mappls identity, and expose freshness and ownership.

5
Stage 5

Overlay hazard and policy context

Advance through an idempotent boundary, preserve stable Mappls identity, and expose freshness and ownership.

6
Stage 6

Preserve decision lineage and redaction

Reconcile the terminal result to every authoritative system and retain attributable evidence.

Records that must survive restarts and retries

Claim ↔ declared incident place and policy coverage snapshot

Version, authorize, retain, observe, and reconcile this relationship explicitly; do not recover it later from display text or logs.

Evidence submission ↔ immutable media hashes, consent, times, accuracy, device/source

Version, authorize, retain, observe, and reconcile this relationship explicitly; do not recover it later from display text or logs.

Vision attempt ↔ model fingerprint, asset hash, bounded detections, confidence, review policy

Version, authorize, retain, observe, and reconcile this relationship explicitly; do not recover it later from display text or logs.

Hazard feature ↔ dataset/version, geometry relation, observation date

Version, authorize, retain, observe, and reconcile this relationship explicitly; do not recover it later from display text or logs.

Assessment decision ↔ evidence IDs, rule/model version, reviewer, settlement revision

Version, authorize, retain, observe, and reconcile this relationship explicitly; do not recover it later from display text or logs.

Design recovery before rollout

Media upload partially succeeds

Use per-object hashes and a submission manifest; keep the claim incomplete until all required evidence commits.

Vision result is uncertain or sensitive

Preserve model and input identities, route to an independent reviewer, and prohibit automatic settlement or fraud decisions.

Location metadata conflicts with declaration

Preserve both sources, lower automation confidence and route to review rather than silently choosing one.

Catastrophe data is revised

Publish a new dataset/version and derived claim revision without rewriting the evidence used in the original decision.

Products and evidence

Earn the right to automate

1
Rollout gate

Start with guided completeness checks only

2
Rollout gate

Add entitled fixture-first vision triage with model provenance and mandatory review bands

3
Rollout gate

Add spatial hazard enrichment with analyst-visible lineage

4
Rollout gate

Pilot assessor eligibility/ETA recommendations

5
Rollout gate

Introduce versioned triage rules with independent reviewer separation

6
Rollout gate

Scale after consent, fraud, model-risk, fairness, retention, catastrophe, and appeal audits

Measure the outcome

Settlement timeAssessor travelEvidence completenessLeakage rate

Tutorials and downloadable applications

Advanced · verified app

Grid Restoration Desk

Correlate an outage, govern independent switching approval, dispatch an assigned crew, preserve rework, and reconcile restoration from telemetry and customer-impact evidence.

Advanced · verified app

Care Transfer Desk

Confirm the correct receiving entrance, assign eligible transport, preserve courier custody, review condition exceptions, and reconcile receiver acceptance without retaining patient or clinical data.

Advanced · verified app

Airside Turnaround Desk

Coordinate a revision-safe aircraft turnaround, pause for airside exceptions, preserve four service milestones, and require independent airline, airport, and safety readiness decisions.