Find the claims that become the loss, the moment they arrive.
Isomer™ Signals checks every inbound claim communication, from email and fax to voice, portal, and API, against 90+ insurance detectors as it arrives, and shows your adjusters what’s critical, with the source it came from.
For claims teams at carriers and TPAs.
Graph
A new demand letter lands on the claim graph
Scan
90+ detectors, chosen for this line and state
LitigationCoverageSeverityComplianceFraudAggregationReputation
- Attorney representationHigh
- Spoliation riskHigh
- Time-limited demandCritical
- Medical severity
- Plaintiff-friendly venue
- Litigation funding
Signal
Severity, confidence, and the page it came from
CriticalTime-limited demand
Demand letterp. 9
…will accept the policy limits if paid within 30 days of this letter.
- Due
- Nov 14
- Amount
- Policy limits
- Confidence
- Strong
- Scope
- One document
Combine
Signals across messages add up to one risk
The warning signs aren’t in the claim system.
Representation, preservation demands, punitive allegations, and time-limited demands arrive in emails and attachments, and most never reach a claim-system field. Anything built on claim data, predictive models included, sees them late or not at all. At a large commercial carrier:
89%
of risk findings came from attachments, not the message body.
49%
of critical and high flags rested on facts no claim-system field holds.
52%
of flagged claims had no flag the fields could have raised.
Flagged when it arrives, not when it’s keyed.
Today a warning reaches the adjuster once someone reads the file and keys it. Signals flags it as the message lands. At a large commercial carrier:
30 min
median from email to the handler’s alert.
7 in 10
critical or high first-notice flags came before any suit.
1 in 16
new liability claims carried a critical deadline.
99.3%
accuracy in a review of 692 production runs.
Every page reviewed, so your team starts ahead.
No adjuster has time to check every page against 90+ detectors. Signals does it for them, on every message, so the team starts with what matters in front of them.
General liability
The most litigated line: a litigated injury claim costs 14x one that isn’t, and the warning arrives long before suit.
- Injuries: traumatic brain injury, multiple fracturesp. 3HighCritical severity
- Claimant also has an open workers’ compensation claimp. 3StandardLikely denial
- Counsel represents the claimantp. 5StandardAttorney representation
- Preservation request: footage, incident reports, logsp. 5CriticalEvidence preservation
- Demand: an offer by a set datep. 13CriticalTime-limited demand
- No response on the claim, deadline 7 days outClaim timelineCriticalNo response to the demand
Next step Isomer Actions
One alert to the excess adjuster: the demand deadline, the open video request, and stop direct contact.
Commercial auto and trucking
14 straight years of underwriting losses, and the evidence that decides the case (ELD, dashcam) can be overwritten.
- Counsel for two injured claimantsp. 1StandardAttorney representation
- Preservation request: event data recorderp. 1CriticalELD / telematics preservation
- Preservation request: GPS and tracking datap. 2CriticalELD / telematics preservation
- Spoliation warningp. 4CriticalEvidence preservation
- Telematics download not confirmed on the claimClaim timelineCritical3 signals from one fax
Next step Isomer Actions
Preserve the EDR and GPS data now, and route all contact through counsel.
Employment practices liability
A suit arrives as one long packet: the answer clock in the summons, the punitive claim deep in the complaint.
- Served by process serverpp. 1–2HighService of suit
- Spoliation instructionpp. 4–6HighEvidence preservation
- Counsel represents the plaintiffpp. 4–6StandardAttorney representation
- Answer due within 35 daysp. 7HighAnswer deadline
- Punitive damages soughtp. 14HighPunitive damages
- Insured’s counsel “not litigation counsel”Same threadStandardDefense not yet appointed
Next step Isomer Actions
The answer date to the adjuster, defense counsel to appoint, and a coverage review.
Workers’ compensation
Less litigated than liability, but an attorney changes what a claim costs, and state boards set hard clocks.
- 22 years: neck, back, wrists, hands, kneesp. 2StandardCumulative trauma
- Stress, anxiety, insomnia, depressionp. 3HighMental health claim
- “Do not contact our client directly”p. 4StandardAttorney representation
- Application for adjudication servedp. 6CriticalService of suit
- A physical and a psychological claim togetherCombinedCritical4 signals from one fax
Next step Isomer Actions
Confirm the response date to avoid a default, and route contact through counsel.
Umbrella and excess
Excess carriers often hear late, with the primary limit in play. The demand should put the layer on notice.
- Response deadline moved up to 3:00 p.m. FridayEmailCriticalTime-limited demand
- Demand: $350M or all available limitsp. 5HighExemplary damages
- Burns to 26–31% of body surfacep. 31HighEvidence for exemplary damages
- Tower covers the exemplary damages claimp. 38HighExemplary damages
- A deadline for each layer, “will not be extended”p. 41CriticalTime-limited demand
- Demand from 4 weeks ago had a 5:00 p.m. deadlineClaim timelineCriticalSupersedes the earlier demand
Next step Isomer Actions
Each layer’s new deadline to the excess adjuster, in one alert for the whole tower.
Commercial property
Large losses turn on cause, recovery, and who pays, spread across reports, loss bills, and estimates.
- Participation share and balance duep. 1StandardReinsurance share billed
- Cooling tower overflowed onto the roofp. 4StandardSubrogation opportunity
- A contractor’s chiller startup caused the lossAcross 3 filesStandard2 signals from 3 files
Next step Isomer Actions
The reinsurance balance to the adjuster, and recovery against the contractor flagged.
One message
A demand, a representation letter, or a preservation letter, caught where it arrives.
Across claims
The same provider and attorney on unrelated claims, or repeat losses at one location.
Over a claim’s life
A first report, a medical record, an attorney letter: moderate alone, litigation risk together.
Detect on the graph, not on the fields.
Signals runs on Isomer Graph, where every page is already read, connected across claims, and sourced. Our research ran the same models on a carrier’s claims with and without the graph, and checked which critical and high flags a claim system’s fields can hold. Against the usual alternatives:
| Claim-system fields, and models built on them | Your own LLM on raw files | Signals on Isomer Graph | |
|---|---|---|---|
| What it reads | Keyed fields | One claim’s files | Every page, every message |
| When it knows | After it’s keyed | When asked | Median 30 min to alert |
| Critical and high flags it could raise | 34% | If someone asks | All of them |
| Court deadlines found | No field | 7 of 8 | 8 of 8 |
| Deadline priority right | No field | 4 of 8 | 8 of 8 |
| Patterns across claims | Keyed fields only | None | Whole book |
| Evidence | A field value | Varies by prompt | Sentence and page |
Request the paper: Models alone, or models with the claim graphHow Isomer Graph works
Your team decides. Signals makes sure they know.
Signals doesn’t replace adjusters or their judgment. It gets the right claim to the right person in time, for a carrier’s own book or every client a TPA handles.
The evidence, not a score
Every flag shows the sentence and page it came from, so it can be checked in seconds.
Only what matters
Critical and high flags go to the handler. Low-confidence findings go to review, not alerts.
Where they already work
The claim system, the handler’s inbox, or a daily report for leaders, tied to the claim number.
A person approves
Every next step waits for the adjuster’s approval.
Start with a workshop.
Your team learns where risk hides in the claim file and how AI reads it, builds synthetic claims modeled on your book, and sees Signals find the risk in them. You leave with a business case for your book. No data access needed.
