S. Patel
Hartford · Sr. Adjuster
SP
Claim
CLM-2026-48221
Claimant
Michael A. Torres Represented
Loss
Rear-end · Soft-tissue BI · 03/15/2026
Reserve
$18,500  ↑ from $8,200
Continuum AI Summary

Claimant reports disabling cervical and lumbar strain with "unable to work" status since 03/15. Continuum has returned six cross-tier signals over 38 days showing unrestricted athletic activity, including an analyst-confirmed video of Mr. Torres playing full-speed rec-league soccer on 04/12. Representation letter arrived 04/04 and reserve moved from $8,200 to $18,500. Recommend claim review and repositioning before settlement demand.

Generated 04/22 · 6 sources · reviewed by Analyst M.K. · evidence chain preserved
1
Fraud Score
82 / 100
2
OIA Sweep
3 signals
3
Monitoring
2 new hits
4
Investigative Report
Delivered · video
Automated Fraud Score · 82 / 100
Tier 1 · $5
82
/ 100
Device reuse
3 prior claims
Network velocity
Same IP class as CLM-41088
Identity match
97% conf.
Attorney index
Rep. < 30 days
Online Injury Alerts · First Sweep
Tier 2 · $15
Facebook
Check-in · Torchy's Tacos, South Congress
03/18 · 3 days post-DOL · Lifestyle activity
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Instagram
Story · "Early lift 💪 no excuses"
03/20 · Physical activity inconsistent with stated restriction
View →
Public
Austin Rec Soccer League · Roster update
03/28 · Listed on active spring roster
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OIA Monitoring · Fresh Signals
Tier 3 · $25 ongoing
Instagram
Reel · Client PR deadlift session at FitBlock ATX
04/08 · Gym tagged · face match 99% · 320 lb lift
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Court
Representation filing · Travis County DC
04/04 · Becker & Holt, LLP · demand pkg pending
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Investigative Report · Delivered 04/22
Tier 4 · $75
Video · 0:42
Analyst-captured match video · rec-league soccer
04/12 · Zilker Park · full-speed play · identity confirmed
View →
Report
Final IR · 14-page evidence package
Analyst M.K. · chain-of-custody signed · court-ready
Download →
Recommended Next Action
  • Reposition reserve before demand package arrives. Suggested range: $6,500–$9,000 based on repositioned exposure. Est. save $9.5–12.0K
  • Preserve evidence package and attach IR + continuum audit trail to file. One-click export to ClaimSearch + Guidewire BI note.
  • Flag attorney firm (Becker & Holt) to SIU pattern library — 4th claim on watch pattern in 60 days.