Modeled annual impact · 95K claims/year
$30.6M
5–10× documented ROI across deployed carrier base
$23.6M
Severity reduction
Earlier detection → smaller settlements
$5.4M
Litigation reduction
Evidence-driven resolution
$1.6M
Settlement speed
Faster to closure when defensible
Cost comparison · claim coverage vs. spend Three ways carriers fund investigative work. One of them covers the whole book.
Status Quo
Traditional · deep dives only
10% of claims
$1.5M annual spend
- Only high-severity claims touched
- Point-in-time — no continuous signal
- 100% coverage
- Cross-product learning
Build · DIY
Internal team · 20 FTEs
20% of claims
$2.4M annual spend
- Human analysts = variable quality
- Cannot scale to 100% coverage
- Headcount grows with book
- Image forensics at scale
Buy · Carpe OIA
Carpe Intelligence · full continuum
100% of claims
$2.0M annual spend
- Every open claim monitored, every day
- Reasoning Engine routes to the right desk
- Cross-product learning compounds signal
- No-hit = No-charge on Snapshot tier
Claims Reasoning Engine · cross-product learning Every signal feeds the next product. Depth compounds.
Online Injury Alerts
1,286
Signals returned · 30d
412
promoted
Investigative Reports
287
Orders placed · 30d
64
escalated
Carpe Intel
192
Pipelines run · 30d
891 cross-product signals flowed between layers in the last 30 days · every step compounds the next
Reason-code mix · flagged claims
1,284
flagged claims
- Physical Activity36%
- Lifestyle24%
- Employment18%
- Travel + Financial12%
- Medical + Fatality10%
Top flagged jurisdictions · last 90 days
| Jurisdiction | Flagged | Avg reserve | Signal rate |
|---|---|---|---|
| Hillsborough Co., FL | 194 | $31.2K | 78 |
| Miami-Dade Co., FL | 162 | $28.9K | 71 |
| Fulton Co., GA | 138 | $26.4K | 64 |
| Orange Co., FL | 124 | $22.8K | 58 |
| Duval Co., FL | 101 | $19.6K | 52 |
| Cobb Co., GA | 86 | $18.4K | 41 |
Monthly trend · signals + recoveries
Signals surfaced
Severity recovered ($K)
JanFebMarAprMayJunJulAugSepOctNovDecJan '26Apr
Value delivered · carrier network
$500M+ to carrier partners to date
Aggregate severity + litigation reduction across deployed Carpe Intelligence footprint.
10 / 20
Top P&C carriers using OIA
5–10×
Documented ROI