VIEWAPP: Secure Digital Inspections as a Service Against Insurance Fraud

Insurance fraud is no longer a private issue limited to individual cases. It represents a systemic risk for the entire industry, directly affecting insurers’ financial stability, operational costs, and premiums for honest customers. Today, the key vulnerability is visual evidence: photos and videos of property conditions, which form the basis for claims decisions.

Rising Fraud: Verified Data and the Real Scope

Major insurers publicly report increasing levels of detected fraud. According to Zurich Insurance UK, published in 2025 (https://www.zurich.co.uk), their anti-fraud teams identified 4,049 suspicious insurance claims over the last reporting period, totaling £94.79 million — approximately £260,000 in fraudulent claims per day. The number of detected fraudulent cases increased by roughly 10% compared to the previous period.

It is important to understand that these figures reflect only the fraud that has been detected. These are cases uncovered within existing verification processes. Many schemes remain outside official statistics due to insufficient quality of initial evidence, lack of context for its creation, or the inability to prove post hoc tampering. The real scale of the problem is objectively higher, and the overall trend is upward.

Notably, a significant portion of the detected losses relates to property insurance. According to Zurich data, fraudulent claims involving real estate and property conditions exceeded £19 million for the year. This is a segment where decisions almost always rely on visual materials.

How Fraud Evolves with AI

Modern insurance fraud is increasingly technological. Industry analytics for 2025 (https://insuranceindustry.ai) report active use of AI tools by fraudsters:

• Generative AI is used to create photorealistic images of damage, synthetic videos, and convincing descriptions of insurance events;
• Deepfake elements, automated claim generation, and synthetic identities are employed;
• The entry barrier is reduced: complex schemes no longer require specialized skills.

The problem is not only in the images themselves but also in the lack of verified context for their creation. When photos and videos are uploaded as separate files, without controlling the process and environment of capture, even high-quality content becomes vulnerable to manipulation.

Why Traditional Verification No Longer Works

Insurers are actively seeking better solutions to combat fraud, and we offer an approach successfully tested in the insurance market.

Classic methods — manual photo analysis, selective metadata checks, and post-factum expertise — do not scale and do not protect against modern schemes. In practice, this leads to:

• Reuse of the same images across multiple claims;
• Visual materials being generated or enhanced by neural networks;
• Context manipulation: dates, sequence, environment, or logic of damage.

The main weakness here is the lack of control at the point of evidence creation. If data is collected without supervision, subsequent verification will always be delayed and incomplete.

VIEWAPP: Digital Inspections as a Risk Management Service

VIEWAPP addresses this issue at the service level, not as a standalone verification tool. A digital inspection in VIEWAPP is a managed process for creating evidence, not just file transfer.

Standardized Scenarios
Inspections are performed according to pre-defined scenarios, agreed with the insurer’s methodology. Users cannot skip mandatory steps, change the order, or manipulate the logic of the inspection.

Context and Data Integrity
Photos and videos are captured within a unified process with preserved chronology, technical parameters, and inter-stage connections. This makes tampering, selective uploading, or “cleaning” of materials virtually impossible without compromising data integrity.

Scale and Anomaly Detection
Mass execution of inspections according to a single standard allows automatic detection of deviations: recurring patterns, illogical angles, temporal gaps, and inconsistencies in property conditions. Experts then work with pre-flagged risk signals rather than raw data streams.

From Fraud Detection to Fraud Prevention

The key value of VIEWAPP lies in shifting control to the entry point. When the process of creating visual evidence is inherently protected, the probability of successful fraud is reduced, not just the costs of investigation.

VIEWAPP also incorporates AI mechanisms to support anti-fraud processes. Algorithms analyze large sets of digital inspections, detecting atypical behavior patterns, repeated visual scenarios, discrepancies between the claimed event and actual property conditions, and anomalies in time, angles, and damage logic. AI does not replace the expert or make independent decisions — its role is to narrow the focus, highlight suspicious cases, and increase the likelihood of early detection of potential fraud through data analysis that cannot be performed manually at scale.

Together, this leads to:

• Reduced unjustified payouts;
• Lower workloads for experts and security teams;
• Decreased operational expenses related to disputes and verifications;
• Stabilized premiums and increased customer trust.

VIEWAPP is a service that enhances the quality and reliability of initial data on which all further decisions are based — from underwriting to claims settlement. In an era where fraud is becoming increasingly technological, controlling evidence creation is not optional but an essential element of sustainable risk management.