EchoDepth Signal
Detect fraud in insurance claims.
Insurance fraud costs the UK industry over 1 billion annually. EchoDepth Signal analyses claimant statements for linguistic deception indicators, helping you prioritise high-risk claims and protect your loss ratio.
The Challenge
Fraudulent claims hide in plain sight.
Every claims handler knows some statements feel wrong. The details do not quite add up. The timeline has gaps. The description lacks the sensory richness of genuine memory. But intuition does not scale, and inconsistency is not evidence.
Traditional fraud detection focuses on external signals — claim history, postcode risk, time of submission. These are valuable, but they miss what is hidden in the statement itself: the linguistic fingerprint of fabrication.
When people construct false narratives, their language betrays them. Decades of forensic linguistics research has identified specific patterns — hedging, temporal gaps, sensory omissions, pronoun shifts — that correlate strongly with deceptive statements.
EchoDepth Signal applies this research at scale, analysing every written claim for 30+ deception indicators and producing actionable risk scores within seconds.
The cost of missed fraud
Direct payout losses
Every fraudulent claim paid is a direct hit to your combined ratio
Investigation resource waste
Limited SIU capacity spent on low-risk claims while high-risk slip through
Legitimate claimant delays
Honest customers wait longer when fraud detection is inefficient
Reputation and retention
Poor claims experience drives customers to competitors
Use Case Scenarios
Where Signal detects deception.
Signal analyses written statements across all insurance claim types, identifying linguistic patterns that warrant further investigation.
Vehicle damage claims
Analyse accident descriptions for temporal gaps, missing sensory detail, and inconsistent narrative depth. Flag statements where the claimed incident does not match the linguistic signature of genuine recall.
- Hit-and-run claim narratives
- Theft and vandalism reports
- Third-party liability statements
- Write-off circumstance descriptions
Injury claim statements
Personal injury claims rely heavily on claimant narrative. Signal identifies exaggeration patterns, symptom description inconsistencies, and the linguistic markers of coached or fabricated statements.
- Whiplash and soft tissue claims
- Slip and fall incident reports
- Workplace injury descriptions
- Long-term impact narratives
Property damage claims
Home and commercial property claims often involve detailed event narratives. Signal analyses these for the linguistic patterns that distinguish genuine incidents from staged or exaggerated losses.
- Burglary and theft reports
- Fire and flood damage statements
- Storm damage claim narratives
- Contents loss descriptions
Benefits
What Signal delivers for insurers.
Prioritise high-risk claims
Every claim receives a credibility score within seconds of submission. Your SIU team focuses on the claims that warrant investigation, not the ones that happen to trigger simple rule-based flags.
Reduce fraudulent payouts
Linguistic deception detection catches what traditional methods miss. Signal identifies the fabricated narratives that slip through postcode and claims history filters.
Accelerate legitimate claims
Low-risk scores give handlers confidence to process genuine claims faster. Better customer experience, reduced handling costs, improved retention.
Documented investigation basis
Every flagged indicator comes with specific passage references and explanations. Your investigators have clear starting points for follow-up questions and evidence requests.
Common Questions
Claims verification with Signal.
How does Signal detect fraudulent insurance claims?
Signal analyses the written statements submitted with insurance claims for linguistic patterns associated with deception. These include temporal gaps in narratives, sensory omissions, pronoun distancing, and inconsistent detail levels. The platform produces a risk score and flags specific passages for investigator review.
What types of insurance claims can Signal analyse?
Signal analyses any written claim narrative — vehicle damage claims, personal injury statements, property damage reports, travel insurance claims, and liability claims. Any statement where the claimant describes events or circumstances can be analysed for deception indicators.
Does Signal replace human claims investigators?
No. Signal is a prioritisation tool that helps investigators focus their attention on claims that warrant deeper examination. It flags high-risk statements and provides specific indicators, but all findings should be verified through traditional investigation methods.
How quickly can Signal process a claim statement?
Signal processes claim statements in real-time, typically within seconds of submission. This allows claims handlers to receive risk assessments immediately, enabling faster triage and prioritisation of their investigation queue.
See Signal analyse your claims data.
We can demonstrate Signal on your historical claims data, showing you which statements would have been flagged and why.