For professionals
Evidence reports for insurance and claims teams
Most of a claims decision is reading. TraceFolio takes the documents in a claim file and produces a dated loss timeline, a consistency check across the paperwork, and a citation for every statement it makes, so the reading time goes into the judgement rather than the assembly.
The problem this solves
A claim file arrives as a claim form, a policy schedule, correspondence, invoices, reports and photographs, often from several sources and rarely in order.
Inconsistencies between what the claim form says and what the supporting documents show are the thing that matters most, and they only appear when the documents are compared against each other.
Evidence you probably already hold
- Claim forms and notification correspondence
- Policy schedules and wordings
- Loss adjuster and engineer reports
- Invoices, receipts and repair estimates
- Photographs and scanned documents
- Correspondence with the insured and third parties
What the report gives you
- A dated loss timeline built from what the documents record, with uncertain dates flagged rather than inferred
- A consistency pass across the whole file, surfacing where documents disagree about a date, an amount or a sequence
- Every finding cited to file, page and passage, so a decision note can point at the paperwork
- A register of statements the file does not support, separated from statements it does
- An explicit list of what the documents do not establish, so further enquiries can be targeted
A worked example
An escape-of-water claim with a disputed date of loss
What goes in
- Claim form and policy schedule
- A loss adjuster report
- Two repair invoices
- Correspondence with the insured
What comes out
- A timeline placing notification against the first invoiced repair
- A contradiction where the claim form and the adjuster report give different dates of loss
- A note that an invoiced item is not described anywhere else in the file
- An unresolved-issues entry where a photograph has no reliable date
The example is illustrative of the report structure, not a real client matter.
Why verification matters here
Claims decisions get revisited, complained about and referred. What matters later is being able to show which version of the file the decision was made on.
Every report is hashed and certified at the point it is produced, with a public verification page, so the document in your decision file can be shown to be unchanged.
What it does not do
- It does not decide coverage, liability or quantum, and it does not interpret policy wording.
- It is not a fraud determination. It reports inconsistencies in documents; the inference is yours.
- It reads only the documents supplied, and cannot know about a document that was never uploaded.
Pay per report, or by the month
A single complex claim is a one-off report. A claims team reviewing files week to week is what the monthly plans are priced for.
Practice
£49per month
2 report credits each month
Works out at
£24.50 per Detailed Report
16% below the £29 one-off price. Annual billing £490 (2 months free).
Includes
- 2 report credits each month
- Every report tier available, priced in credits
- Certified Execution Record and verification page on every report
- Email support
A sole practitioner, small letting agency or independent consultant with a couple of matters a month.
Firm
£119per month
5 report credits each month
Works out at
£23.80 per Detailed Report
18% below the £29 one-off price. Annual billing £1,190 (2 months free).
Includes
- 5 report credits each month
- Lowest per-report cost at typical small-firm volume
- Priority processing when capacity is contended
- Email support
A small firm with a steady caseload: letting agents, HR consultancies, claims handlers and small legal practices.
Chambers
£299per month
15 report credits each month
Works out at
£19.93 per Detailed Report
31% below the £29 one-off price. Annual billing £2,990 (2 months free).
Includes
- 15 report credits each month
- Best effective per-report price
- Priority processing when capacity is contended
- Named contact for onboarding
A busy practice or claims team producing evidence reports as a routine part of the work.
What a credit buys
| Report | Credits | One-off price |
|---|---|---|
| Quick Report | 0.5 | £9.99 |
| Detailed Report | 1 | £29 |
| Extended Report | 3 | £79 |
How plans work
- A credit is one Detailed Report. A Quick Report costs half a credit and an Extended Report costs three.
- Credits refresh at the start of each billing period and do not roll over.
- If a report needs more credits than you have left, you can pay the standard one-off price for it. A plan never blocks you from getting a report.
- Cancel at any time. You keep every report and verification page you have already produced.
Plans are billed by Stripe and can be cancelled at any time from your account page. Credits are spent when you start a report, and any report you produce stays yours, with its verification page, after a plan ends.
Questions from small insurance firms
Does it detect fraud?
No. It reports where documents in the file are inconsistent with each other and cites both sources. Whether an inconsistency indicates fraud, error or a poor record is a judgement for a claims professional.
Does it interpret the policy wording?
No. It will place the policy schedule in the evidence set and cite what it says, but it does not construe cover or apply the wording to the loss.
Can it read poor-quality scans and photographs?
Yes. Documents without a text layer go through optical character recognition, and passages are cited back to the page they were recovered from. Where text cannot be read reliably, the report says so instead of guessing.
Can several handlers work from the same plan?
Monthly plan credits belong to the account holder for now. Shared team access is on the roadmap, and it is worth telling us if that is what you need, because it affects how we prioritise it.
Related reading
Create your evidence report
Upload a matter you are working on now and see the chronology, contradictions and citations it produces.