One wrong claim classification costs you $50,000 in manual rework. Or worse, a denied valid claim.

Misclassified claim types

Customer files: "Water damage to basement after heavy rain." Is this flood damage (excluded from standard homeowner policy) or water damage from a burst pipe (covered)?

One model says "flood", another says "water damage -- plumbing". The distinction determines coverage. WhiteBox surfaces the disagreement before a wrong denial.

Fraud vs legitimate gray zone

Third claim in 18 months for a stolen laptop. Same model, different location each time.

Two models say "suspicious", one says "legitimate -- high-value area", one says "fraud". Single model picks one. WhiteBox shows the split so the SIU can make an informed decision.

Severity and priority errors

"Minor fender bender in parking lot" but the repair estimate is $12,000 and includes frame damage.

Description says minor, numbers say major. Models disagree on severity. WhiteBox escalates instead of auto-routing to the wrong queue.

Claims triage

Auto-classify incoming claims by type, severity, and priority. Route to the right team instantly.

Coverage determination

Classify whether a claim falls under covered perils or exclusions. Flag borderline cases for adjuster review.

Fraud detection

Score claim legitimacy from description, history, and pattern signals. Escalate suspicious claims to SIU with the full model breakdown.

Policy underwriting

Classify risk factors from applications. Flag inconsistencies between self-reported data and model assessments.

Subrogation identification

Detect claims where a third party may be liable. Auto-flag for recovery before settlement.

Regulatory compliance

Full audit trail on every classification decision. Defensible when regulators ask "why was this claim denied?"

Full audit trail

Every claim classification logged with which models voted, what they said, confidence scores, and the final decision. Exportable.

Human-in-the-loop

No claim is denied by AI alone. Low-confidence decisions always route to a human adjuster with the complete model breakdown.

Defensible decisions

When a policyholder disputes a classification, you can show exactly how the decision was made: 4 models agreed, or 2 disagreed and a human adjuster made the final call.