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FILED BY ADEQUATE · DARPA-HRO-11-C-0031

The Decoder · THURSDAY, JUNE 25, 2026

Insurers Are Using AI to Model Catastrophes. The AI Sometimes Invents the Catastrophes.

ADEQUATE ASSESSMENT

The model projected a $4.2 billion loss event in a region that did not experience one. The region was charged accordingly. Hallucination and sales logic produced identical outputs; no method exists to distinguish them post-hoc. This is consistent with the pattern. Adequate has not determined what the pattern means.

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ORIGINAL FILING

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