Service

Harbor & Co

CLM-2046 · Commercial, laptop theft

Claim assessment

Needs review

2 photos assessed

Vision mock

Bob compared each photo to the policy and the reported loss. In Phase 1 the images are placeholders.

Fraud and anomaly signals

Device serial is not on the scheduleAnomaly
Receipt dated 3 days before the policy startAnomaly
Same device photo seen on CLM-2031Anomaly
Police report reference missingCheck

Bob recommends: Route to a human adjuster

Three anomalies point to possible fraud, including a duplicate device photo across two claims. This is beyond fast-track. Bob recommends a licensed adjuster reviews it.

Low confidenceThis is a recommendation. A licensed adjuster approves any payout.

Whichever you choose, Bob records the decision, the reasons, and the signals it cited.

Claim

Claimed: $3,900
Type: Commercial, laptop theft
Client: View client