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Spearfish Use Case · Claims Operations

Every claim tells a story.
Most organizations only hear part of it.

Spearfish surfaces the intelligence inside every claims interaction — across property & casualty, specialty lines, and healthcare — and delivers it to the people who can resolve claims faster, reduce disputes, and fix the process failures driving repeat contacts.

Voice · Chat · Email · AI channels P&C · Specialty · Healthcare 100% interaction coverage
The Problem

The signals that matter most never leave the contact center.

Whether a customer is calling about a totaled vehicle, a denied prior authorization, or a disputed medical bill, the interaction contains signals that go far beyond what the claim record captures.

Most organizations score a fraction of those interactions and use the results to coach agents. The intelligence that should reach claims operations, fraud, clinical review, and member experience teams never leaves the contact center.

It stays invisible — until it surfaces as a complaint, a delayed settlement, or a member who silently walked away.

What stays invisible
  • Process steps — in both P&C and healthcare — that extend resolution timelines and generate repeat contacts.
  • Fraud and billing integrity signals that live in conversations, not claim records or EOBs.
  • Escalation and grievance patterns that are predictable well before a complaint is filed.
  • Adjuster and care advocate behaviors that actually drive resolution outcomes vs. those that don't.
How It Works

From every interaction to the action that changes the outcome.

A three-step pipeline that turns unstructured conversation into prescriptive intelligence — without sampling, and without leaving the work to the contact center.

Ingest everything

100% of claims interactions across voice, chat, email, and AI-assisted channels — connected to claims system data, CRM records, and where applicable, clinical or eligibility data. No sampling.

FNOL Calls Prior Auth Billing Disputes Status Checks Appeals

Extract contextual signal

Sentiment trajectory, process deviations, customer and member effort markers, cross-interaction patterns, and adjuster or care advocate behavior signals across every interaction.

Sentiment Trajectory Process Deviation Effort Markers Behavior Signals

Prescribe what changes

Not just what happened — but what should change, who should change it, and what the expected outcome is. Intelligence routed to the team that owns the fix, not the team running the queue.

Root Cause Owner Expected Outcome
Where the Intelligence Goes

Most claims intelligence stays in the contact center. Spearfish moves it to the teams who can act on it.

Claims Operations

Spearfish identifies the specific process steps generating repeat contacts and extended resolution times — and delivers that intelligence to the operations team that can fix them.

Property & Casualty

Cycle time root causes by claim type, coverage line, and adjuster behavior.

Healthcare

Prior auth and appeals patterns; billing dispute root causes; care advocate behaviors that predict first-call resolution vs. escalation.

Fraud, SIU & Billing Integrity

Structured claim data and billing records don't capture everything. Spearfish surfaces the conversational signals that do — and delivers them to fraud and billing integrity teams before payment is made.

Property & Casualty

Inconsistency patterns across statements, contacts, and claim records.

Healthcare

Billing anomalies and provider behavior signals surfaced pre-payment.

Member & Customer Experience

Pre-complaint and pre-grievance signals are recognizable in hindsight. Spearfish makes them visible early enough to act on — pinpointing the interactions where intervention is still possible.

Property & Casualty

A status update that sent a customer looking for an attorney.

Healthcare

A denied authorization call that didn't resolve the member's question.

Product, Underwriting & Benefits Design

Coverage confusion and benefits misunderstanding don't start in the contact center — they start in how products are designed and communicated. Spearfish surfaces those patterns before they show up in loss ratios or plan performance data.

Property & Casualty

Policy language driving preventable dispute contacts.

Healthcare

Benefits structure and member comms generating grievances.

P&C vs. Healthcare

Same intelligence problem. Very different stakes.

In both cases, the intelligence needed to prevent bad outcomes already exists in the interactions themselves. Spearfish makes it usable.

Property & Casualty

Financial & reputational.

A claims interaction that goes poorly means a delayed settlement, a complaint filing, or a customer who doesn't renew. The cost is measurable — and recoverable, if you catch the signal in time.

Risk surface
Delayed settlement
Endpoint
Complaint · non-renewal
Healthcare

The stakes are higher.

A member who can't get a clear answer on a prior authorization may delay or forgo care. A billing dispute that isn't resolved drives not just churn — but genuine harm to the member relationship, and potentially to health outcomes.

Risk surface
Delayed or forgone care
Endpoint
Grievance · harm
The Result

Faster resolution. Earlier signals. Fewer repeat contacts.

Repeat contact rates go down — because the root causes are reaching the people who can fix them, not just the people managing the queue.

Resolution Velocity

Cycle times shortened where the root cause was hiding in the interaction.

Earlier Fraud & Billing Integrity Signals

Surfaced before payment — not after.

Escalations & Grievances

Pre-complaint signals caught while intervention is still possible.

Repeat Contact Rate

Root causes fixed by the team that owns the process.

Get Started

See what your claims interactions are telling you.

A 30-minute working session with a Spearfish solutions engineer — bring a claim type, a contact channel, or a recurring escalation. We'll show you the intelligence you're missing.