An AI that reads. An engine that's never wrong about a dollar.
The reason Backbook's findings hold up in a dispute is a hard architectural rule: the language model transcribes documents and drafts prose, but a deterministic, unit-tested engine computes every amount and finalizes every match. No hallucinated numbers ever reach a carrier.
The whole idea in 60 seconds — problem, reconciliation, and the money back.
Two jobs, kept strictly apart
Language models are great at reading messy documents and terrible at arithmetic you can trust. So we only let each part do what it's good at.
The letter's headline total must equal the sum of its line items, or the letter won't draft. A dispute that doesn't tie out is worse than none.
Inside the app
Every recovery lands in a ranked worklist you approve, send, and track — and one confirmed rate error opens a 12-month back-audit.
Live views from the app — the numbers are illustrative.
What it looks for
A catalog of the leaks that quietly cost an agency 3–7% of commission a year — most invisible in an AMS report.
Missing commission
A policy on your book earned commission the statement never paid. Ranked by dollars at stake.
Rate discrepancy
The carrier paid a lower rate than your contract — e.g. 8% where the schedule says 10%.
Net-vs-gross / base error
The statement's own rate × premium doesn't equal what it paid — commission run on net instead of gross, or a keying error. Provable from the carrier's own line.
Systematic back-audit
Confirm one rate error and Backbook sweeps 12 months of that carrier's statements for every line paid the same wrong way.
Phantom chargeback
A reversal with no cancellation on record — the carrier clawed back commission it shouldn't have.
Duplicate chargeback
The same chargeback applied twice. Netted and flagged for dispute.
Over-claw
A cancellation clawed back more than the unearned portion. Day-count proration computes what was actually owed back.
Overpayment alert
Paid more than the contract calls for — surfaced so a later clawback of the excess never blindsides you.
Duplicate payment
The same commission paid twice on one statement — flagged so a later clawback of the extra never surprises you.
Endorsement shortfall
A mid-term endorsement paid a lower commission rate than the policy's own base line — provable from the statement itself, no contract needed.
Built to survive a carrier's pushback
Every finding is traceable
Each recovery points back to the exact source row — statement page and line, the insured, the policy — with a match-confidence label. Nothing is a black box.
Figures are computed, then verified
The engine computes the amount; the drafted letter's schedule is checked against it before it's shown. The number the carrier sees is the number the engine proved.
You stay the disputant of record
Backbook finds the money and drafts the paperwork. Nothing is sent to a carrier without your approval — you approve, send, and track each item.
Your data stays yours
Zero-retention AI, GLBA-aligned handling, SOC 2 controls in progress. We never train on your book.
Why not the AMS report, or a spreadsheet?
Because neither was built to recover money — only to record it.
| Capability | Backbook | AMS commission module | Spreadsheet / manual |
|---|---|---|---|
| Works with messy carrier PDFs & spreadsheets (no format required) | ✓ | Only what it syncs | By hand |
| Catches phantom / duplicate / over-clawed chargebacks | ✓ | Rarely | Almost never |
| Systematic 12-month back-audit from one confirmed error | ✓ | No | No |
| Every finding traces to the source row (page + line) | ✓ | Partial | No |
| Drafts the dispute letter, figures verified against the engine | ✓ | No | No |
| Priced on what you recover — self-funds from the first dispute | ✓ | Seat license | Your hours |
| No rip-and-replace of your AMS | ✓ | It is the AMS | n/a |
See it on your own statement.
A free back-audit shows the money before you commit a dollar.