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Insurance claims review and fraud detection system with MCP-based tool integration for cost estimation, fraud scoring, policy coverage checking, and precedent retrieval
Four tools with clear, action-oriented names (estimate_repair, fraud_signals, check_coverage, find_precedents_tool) and concise descriptions (50 - 150 chars). All have input schemas with typed parameters and descriptions. However, output schemas are not formally documented in the code, only inferred from return statements. Parameter descriptions are minimal (10 - 30 chars), lacking guidance on valid ranges, formats, or dependencies. No error handling guidance, no recovery paths, and no indication of which tools are idempotent or safe to retry. Tool naming is mostly strong (verb_noun pattern), but 'find_precedents_tool' is redundant ('_tool' suffix unnecessary). Schemas are present but sparse, no enums, no min/max constraints, no examples of expected output structure.
Decide if an incident is covered and return the policy terms. Call this to know whether the claim is payable under the policy.
Estimate a repair-cost range (USD) from severity and parts. Call this to gauge the likely claim value.
Find past claims similar to this one by image and text. Returns the k most similar past claims with their outcomes (decision, payout) so the caller can reason from precedent.
Score fraud risk from extraction signals. Call this before recommending a decision to flag suspicious claims.
Output schemas not formally documented. Return types are inferred from code (e.g., estimate_repair returns {low_usd, high_usd, midpoint_usd}) but not declared in tool metadata. LLMs cannot plan downstream calls without knowing what fields to expect.
Parameter descriptions are too brief (10 - 30 chars). 'severity level (minor, moderate, severe)' lacks guidance on what happens if an invalid value is passed. 'list of damaged parts' does not specify format, max length, or examples.
No enum constraints on string parameters. 'severity' accepts free-form strings; should be constrained to [minor, moderate, severe]. 'incident_type' is unconstrained. Enums prevent hallucinated values and are self-documenting.
| Scored | Grade | Overall | Spec posture | Rubric |
|---|---|---|---|---|
| 2026-09-23 | D | 52 | 2026-07-28+ | v2 |
No error handling or recovery guidance. If severity='invalid' or image_path does not exist, tools return silent failures or exceptions. LLMs need actionable error messages: 'Invalid severity: got "invalid", must be one of: minor, moderate, severe.'
Tool name 'find_precedents_tool' is redundant, '_tool' suffix is unnecessary and violates verb_noun convention. Should be 'find_precedents' or 'search_precedents'.