Carpe Recovery
Find Stolen Property After the Claim Is Paid
Carpe Recovery uses AI to scan online marketplaces for property from paid claims, so carriers can recover and subrogate. 20% success-based pricing. Built for property claims teams.
Success-Based Fee
You pay nothing unless we recover
Free Pilot
Submit closed claims, see live matches
Alerts, Not Search
Findings come to the claims handler
Marketplace Coverage
eBay, Facebook, OfferUp, Poshmark, more
Paid Claims Are Not the End of the Story
A significant share of stolen and disputed property surfaces for resale on consumer marketplaces in the weeks after a claim is paid. The signal exists, but the existing recovery tooling is built around an investigator-driven search seat that requires headcount carriers cannot easily add and produces results that are slow to action.
Carpe Recovery takes a different approach. AI-powered visual matching, natural language listing analysis, and geographic and temporal scoring run continuously across the marketplaces where stolen property appears. Only confirmed matches surface, pushed directly to the claims handler assigned to the original file, with the evidence to drive a recovery or subrogation conversation.
How Carpe Recovery Works
A four-phase workflow runs continuously across the marketplaces where stolen property surfaces. Click each phase to see the inputs, outputs, and the audit trail behind every recovery alert.
Continuous scanning of online marketplaces for listings that resemble property associated with paid claims, running across image and text feeds.
CLIP visual similarity and natural language listing analysis tie marketplace candidates back to the original claim, finding hits that pure text search misses.
Geographic and temporal scoring pressure-test every match against the original loss to filter generic resale activity from likely stolen-property listings.
Confirmed matches are pushed to the assigned claims handler with the evidence to drive a recovery or subrogation decision, not dropped into a search seat.
Phase 1 of 4
Detect
Continuous scanning of online marketplaces for listings that resemble property associated with paid claims, running across image and text feeds.
- Inputs
- Closed-claim file with claim photos, item descriptions, serial numbers when available, loss zip code, and date of loss.
- Outputs
- A raw candidate set of marketplace listings drawn from eBay, Facebook Marketplace, OfferUp, Poshmark, Craigslist, and similar platforms.
- What makes it auditable
- Every candidate listing is captured with marketplace URL, seller handle, listing timestamp, and original images, so the record survives the listing being edited or pulled.
What Carpe Recovery Finds
Coverage spans the consumer and commercial item categories that show up most often in paid property claims, with matching tuned per category to fit how each market actually resells.
Vehicles
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Jewelry & Watches
Electronics
Firearms
Tools & Equipment
Art & Collectibles
Purpose-Built for Property Claims and Subrogation
Property Claims Leadership
A new recovery channel that does not compete for SIU bandwidth or investigator headcount. Carpe Recovery operates upstream of the claims handler with automated scanning, then pushes only confirmed matches into the workflow for action.
Subrogation Teams
Cleaner recovery cases built on hard evidence: marketplace listing, seller identity, original claim images, and proximity and timing scores. Documented, time-stamped, and ready to support recovery and subrogation conversations with sellers, platforms, and law enforcement.
Finance and Procurement
A 20% success-based recovery fee means zero procurement friction and no exposure on a paid claim that returns nothing. Carpe Recovery only collects when carrier dollars come back, so the program scales with proven results.
Testimonials
What Carriers Say About Carpe
“By integrating new data elements from Carpe Data into our insurance programs for small businesses, we can better understand the challenges faced by business owners and identify options to address their commercial insurance needs.”
Sharon Fernandez · Farmers Insurance
President of Business Insurance
“Carpe Data is the latest addition to Zurich’s ongoing innovation programs focused on transforming the future of insurance…[Carpe Data] supports Zurich’s ongoing efforts to improve the claimant experience by expediting low-risk claims, and by providing new insights to help our people make informed, accurate, and timely decisions.”
Scott Clayton · Zurich Insurance Company Ltd
Head of Claims Fraud, UK
“Carpe Data has been a great partner in helping us strengthen the claims handling process…Online Injury Alerts helps [us] continue to meet our goals of increased efficiency, reduced potential fraud and improved customer experiences.”
Douglas L. Kratzer · The Hanover Insurance Group
Vice President, Claims
Common Questions About Carpe Recovery
What is Carpe Recovery?+
Carpe Recovery is an AI-powered stolen property recovery product for insurance carriers. It scans online marketplaces (eBay, Facebook Marketplace, OfferUp, Poshmark, Craigslist, and similar) for items from paid property claims, using visual similarity, natural language analysis, and geographic and temporal scoring to find matches, then pushes confirmed hits to the assigned claims handler for recovery and subrogation action.
How is Carpe Recovery priced?+
Carpe Recovery operates on a 20% success-based recovery fee. Carriers pay nothing unless items are recovered. The model aligns directly with carrier outcomes and removes procurement friction that traditionally slows down recovery-tool adoption.
How is Carpe Recovery different from existing recovery vendors?+
Existing marketplace recovery tools are built around investigator search seats: an investigator logs in, runs a query, and reviews results. Carpe Recovery is built around automated AI matching and push alerts. CLIP visual embeddings, NLP on listing text, and geographic and temporal scoring run continuously across marketplaces, and only confirmed matches surface to the claims handler. The carrier gets recovery without adding investigator headcount.
Which marketplaces does Carpe Recovery cover?+
Coverage targets the marketplaces where stolen consumer and commercial goods most often appear, including eBay, Facebook Marketplace, OfferUp, Poshmark, and Craigslist, with additional platforms added as data access and volume justify them. The list is illustrative; the full active set is shared as part of pilot scoping.
Who is the buyer at the carrier?+
Carpe Recovery is purchased by property claims leadership, with subrogation teams as the day-to-day operational owner. It is a separate buyer from casualty, SIU, and underwriting, so it does not need to compete for budget with existing Carpe products at the same account.
Try Carpe Recovery on Your Closed Claims
Submit a batch of closed property claims for a 30-day pilot. We scan, match, and return hits with the evidence to act on. You pay nothing unless we recover.