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Appendix B: Sample Annotated Claim Transcripts
This appendix provides two anonymized insurance claim excerpts.
Each is accompanied by forensic annotations illustrating recursive linguistic signatures,
including denial loops, narrative overcontrol, empathic bypass, and more.
Case 1: Flagged for Narrative Fabrication (Zone III)
Claim Type: Auto Theft
Outcome: Confirmed fraudulent after internal audit
Transcript Excerpt
"So I parked the car around 7:42 PM—at least that’s what I remember, maybe 7:45—and went straight inside. I didn’t see anything suspicious. I locked it. I always lock it. I never forget. Then, the next morning—about 6:17 AM—I walked out and it was gone. Just gone. I mean, what else could’ve happened? The police didn’t find any glass, so I’m thinking it must’ve been towed or something. But I called. They didn’t have it. It’s crazy."
Annotations
- Narrative Overcontrol:
Use of precise, oddly specific timestamps (7:42, 6:17) with hedged certainty ("at least that’s what I remember") - Denial Looping:
"I always lock it. I never forget." — repeated unprovoked affirmations of behavior - Claimant Displacement:
"It must’ve been towed or something…" shifts responsibility away from the claimant - Temporal Drift:
Ambiguity in overnight timeline; no verification of car status until morning
Case 2: Validated Claim (Zone I)
Claim Type: Property Damage from Storm
Outcome: Paid in full, corroborated by weather and neighbor statements
Transcript Excerpt
"I didn’t see the fence until later that afternoon. The wind had picked up fast. I think it was maybe around noon that the gusts really hit. The neighbor said she saw it falling just before 1 PM. I hadn’t even gone outside yet—I was still on the phone with work. When I went out, the whole left side was leaning into her yard."
Annotations
- Temporal Coherence:
Time sequencing is consistent and corroborated by neighbor testimony - Absence of Overjustification:
No defensive language or excessive rationalization - Natural Affective Arc:
Calm progression of discovery and verification, typical of honest recounting - Grounded in Relational Detail:
Inclusion of third-party perspective strengthens witness alignment
These samples highlight the contrast between deceptive and authentic language structures.
The recursive forensic method does not rely on content alone, but on how truth is encoded—or fractured—in linguistic form.