An insurer sees the damage through a photograph somebody else took, and hears the account of what happened through a recording. Neither can be examined in person, and both can now be produced by software convincingly enough that looking harder does not settle it.
The pressure runs in both directions. A claim refused on a hunch costs a genuine customer and invites a complaint. A claim paid on a fabricated photograph is rarely recognised as a loss at all, because nothing on the file looks wrong.
The checks below examine what was submitted and return a finding with the reasoning attached, so an assessor can act on it while the claim is still open and explain that decision later to the customer, an auditor or an ombudsman.