DEMO-0007

The roof is described as having collapsed in a single storm. The broken timber surfaces look weathered rather than freshly snapped.

Suspicion / 100

Under investigation

What was flagged 01

The broken timber looks old, not freshly broken

Why it stands out

The break surfaces themselves show staining and rot, which takes far longer than the claimed event.

It could be nothing, if

The storm may have completed a failure that was already progressing — which most policies still cover. That is a coverage question rather than a fraud one.

What the claimant told us

“During the storm on the night of 10 September a gust brought part of the roof down over the back bedroom. The timbers snapped and the ceiling came in. The roof had never given us any trouble before.”

The photographs 09

9 photographs were analysed for this claim. Vericlaim does not keep the photographs themselves after the analysis. Open them in this claim’s file in your claims system.

Close this case

What you record here is the only thing that can make these scores mean something. A case closed as legitimate teaches the system as much as one closed as fraud — arguably more, because false alarms are what waste your time.

How did the case end?

SubstantiatedFraud established - admission, withdrawal, referral or finding.LegitimateInvestigated and cleared. Just as valuable to record as the other.UnresolvedClosed without reaching a conclusion either way.

Where this is recorded — required

A file number, case reference or decision record someone else could look up. An outcome nobody can trace cannot be used.

What happened — optional

Everything above is an investigative aid. It reports what did not line up and what might explain it. It does not determine that anyone has done anything wrong, and it must not be treated as though it does.