Case Studies

Real claims. Real numbers. Real outcomes.

Three stories from active claims — anonymized to protect clients, but the numbers and details are real.

Undervalued Contents Claim

The carrier said $1 million. The proper inventory said $1.5 million.

The situation

A client came to us after their insurance carrier had evaluated their contents loss and produced a settlement figure. The client felt strongly the valuation was too low but couldn't point to exactly where the documentation fell short. They brought the file to ScanNest.

What we found

The carrier's list had the right categories but wrong values — items priced below current LKQ replacement cost, line items that were vague enough to be challenged, and entire subcategories that hadn't been properly sourced. The inventory wasn't wrong, it was just built to accept rather than capture.

+$500K
Settlement increased from $1,000,000 to $1,500,000 Proper sourcing, current LKQ pricing, and a complete line-item inventory that held up to carrier review. The client agreed with the final number. The carrier agreed with the documentation.
Third-Party Documentation Failure

"12 heavy tools." Our AI found something very different.

A client brought us a contents list completed by a third-party documentation team. The tools section caught our attention immediately: the prior team had grouped everything as "12 heavy tools." We had the same photos they used. Here's what our AI actually extracted — clipping each object individually and generating a rich, searchable description that matched real line items:

What the third party submitted

  • 12 heavy tools

One line item. One vague description. Priced at a generic "tools" rate the carrier could — and would — challenge.

What ScanNest AI extracted

  • 4 pick axes (itemized individually)
  • 1 tool bag
  • 3 hammers (sizes identified)
  • Crescent wrenches (set)
  • Crow bars
  • Engine puller (lower assembly)

Each item clipped from the photo, described with a rich search-matched description, priced individually at LKQ replacement value.

AI sees
what humans miss
The difference between "12 heavy tools" and a fully itemized, individually priced inventory isn't just accuracy — it's recoverable value. Every vague grouping on a contents list is a negotiating opening for the carrier. Our AI doesn't group. It clips, describes, and prices every individual item from the same photos a human would rush through.
Carrier List Repriced for Resubmission

The client liked our pricing so much, they asked us to reprice the carrier's list too.

The situation

We completed a contents inventory for an attorney's client. When the client received our deliverable, they compared it side by side with the list their insurance company had produced. The gap in pricing was significant — not because items were missing, but because the carrier's pricing was systematically low across nearly every line item.

What happened next

The client came back with a specific request: take the carrier's list — same items, same quantities — and run it through ScanNest's Smart Pricer. Same inventory, properly sourced pricing. The result was compelling enough that the client sent the repriced list back to the large insurance carrier for resubmission.

Same list.
Better prices.
The carrier's own line items — repriced at current LKQ replacement value and resubmitted. This is what happens when the documentation is built to capture value instead of accept it. The items weren't wrong. The pricing was. ScanNest Smart Pricer sources every line item against current market data — not internal databases built to minimize payouts.

Send us 20 photos. See what we find.

Send 20 photos from any active or recent claim. We'll run the full loop — identification, LKQ research, line item extraction — and show you a real deliverable. No commitment.

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