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
CLIP Visual Similarity
Image embeddings compare every claim photo against listings across marketplaces, finding visual matches even when sellers crop, rotate, or modify the original image. Visual matching catches items that pure text search misses entirely.
Natural Language Listing Analysis
NLP on listing titles, descriptions, and seller bios surfaces stolen-goods language patterns, suspicious phrasing, and re-listings of the same item across multiple platforms. Combined with image matching, the false-positive rate drops dramatically.
Geographic and Temporal Scoring
Listings are scored by proximity to the original loss location and by timing relative to the date of loss. A listing posted near the loss zip code in the days after the event scores far higher than a generic match across the country.
Push Alerts to the Claims Handler
Carpe Recovery is not a search seat. Hits are pushed to the assigned claims handler with the match score, the marketplace listing link, the seller profile, and the original claim reference, ready to drive a recovery or subrogation decision.
What Carpe Recovery Finds
Luxury Goods
Jewelry, art, collectibles, and high-end personal property routinely surface on resale platforms after a paid claim. Visual similarity matching catches items even when sellers strip serial numbers or rename listings.
Serialized Items
Vehicles, electronics, appliances, and other serialized goods are matched on both image features and listing text, with seller-pattern analysis that surfaces repeat resellers across categories and platforms.
Commercial Goods
Cargo, inventory, and equipment from commercial losses are matched across the marketplaces where stolen commercial goods most often appear, with geographic and temporal scoring tied to the reported loss.
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.