Insurance Fraud Investigation Guide
Insurance fraud investigations live or die on facts that the claim file itself cannot contain – and that is where public-records research earns its place beside the work of a claims team and a special investigations unit. A claim file shows what the claimant chose to report; an investigation tests it against the independent record. Does a claimant who says they are unable to work in fact own and actively run a business? Does the address, the timeline, or the ownership of an insured property hold up? Is there an undisclosed connection between a claimant, a provider, and a third party that turns a series of separate claims into a coordinated pattern? Are there entity ties or asset movements that the claim never mentioned? Those questions are answered in business registrations, property records, court filings, and corporate connections – lawful, investigative-grade research – and that is what we provide. People Locator Skip Tracing is a skip-tracing and public-records research firm: we locate claimants and witnesses, confirm or contradict reported facts against the record, surface undisclosed businesses, employment, and entity affiliations, and document asset footprints and corporate connections for your SIU, your claims professionals, and your counsel. We want to be precise about the line we hold. We are not an insurer, not your special investigations unit, not a law-enforcement agency, and not a law firm. We do not decide coverage, accept or deny claims, set reserves, or declare that fraud occurred – those determinations belong to the carrier, the SIU, counsel, regulators, and the courts. We do not conduct medical examinations, and we never access private financial account contents or balances or private medical records. We never pretext. What we deliver is documented facts and discrepancies in context, never a verdict. For a workable request with a lawful, permissible purpose, a first read typically comes back within 24 hours. This page explains the work. It is general information, not legal advice.
The Short Version
Insurance fraud investigations turn on facts a claim file can’t contain. The file shows what the claimant reported; an investigation tests it against the independent record: does a claimant who says they can’t work actually run a business? Does the property’s ownership and timeline hold up? Is there an undisclosed tie that turns separate claims into a coordinated pattern? Those answers live in business registrations, property records, court filings, and entity connections. We locate claimants and witnesses, confirm or contradict reported facts, and document undisclosed businesses, employment, and asset footprints for your SIU, claims team, and counsel. We’re not an insurer, SIU, law enforcement, or a law firm: we don’t decide coverage, deny claims, or declare fraud. We do no medical exams and never access private financial or medical records; we never pretext. We deliver facts and discrepancies, not a verdict. A first read typically comes back within 24 hours. General information, not legal advice.
Watch: Testing the Claim Against the Record
Where research supports an SIU.
Watch Overview
The File Says One Thing; The Record Says Another
Where research supports the investigation.
An insurance investigation is, at its core, a test of consistency. The claim file is the claimant’s account; the public record is an independent one, and fraud tends to show up where the two diverge. A claimant who reports being unable to work but is listed as the active owner-operator of a business; an insured property whose ownership, occupancy, or timeline does not match the claim; a loss that connects, through shared addresses or entity ties, to a provider or a third party in a way that reframes a single claim as part of a pattern – these are discrepancies that the file alone will never reveal, because the file only contains what was reported. Surfacing them is investigative research, and it follows the same discipline laid out in our overview of how to investigate fraud.
The research has a few reliable threads. One is the person: locating the claimant or a witness and confirming identity, which is foundational skip tracing. Another is the undisclosed business or interest – establishing whether a claimant secretly owns or runs a company, which is the heart of finding out who owns a business and a frequent contradiction of a disability or loss-of-income claim. A third is the broader background and connection picture – the litigation history, the entity affiliations, the asset footprint – assembled through the kind of background investigation that puts a claim in context. We pull these together into documented facts and discrepancies and hand them to your SIU, claims professionals, and counsel. Whether a claim is fraudulent, and what to do about it, is their determination and the authorities’ – not ours. For a workable request, a first read typically comes back within 24 hours.
What We Do vs. What Stays With the Carrier
The line between research and decision.
| The task | Ours | The carrier, SIU, or counsel |
|---|---|---|
| Test the claim vs. record | Research and document. | Weigh it in the file. |
| Coverage and claims | None – facts only. | Accept, deny, set reserves. |
| “Is it fraud?” | We don’t decide. | SIU, counsel, regulators, courts. |
| Medical and private records | Off limits to us. | Handled through proper channels. |
| What you receive | Documented facts and ties. Sourced | Acts on them. |
The division is firm. We test the claim against lawful records and document what we find; the carrier, the SIU, counsel, regulators, and the courts decide coverage and whether anything is fraudulent. We never decide a claim and never declare fraud – we hand the people with that authority an accurate, sourced foundation.
What the Research Surfaces
Discrepancies a claim file can’t show.
The Working Claimant
Running a business despite a claim.
The Property Mismatch
Ownership or timeline that won’t line up.
The Coordinated Pattern
Separate claims that quietly connect.
The Undisclosed Entity
A company a claim never mentioned.
The Hard-to-Locate Claimant
Or a witness who has moved on.
The Clean Claim
A record that confirms it holds up.
How the Research Works
Locate, test, connect, document.
Locate & Confirm
The claimant or witness, identity verified.
Test the Reported Facts
Against the independent record.
Map the Connections
Businesses, entities, and patterns.
Document for the SIU
Facts and discrepancies, sourced.
Our Role: Research the Facts – Don’t Decide the Claim
The work, lawfully bounded.
Our contribution is the independent factual layer an SIU and a claims team build on. For a lawful, permissible purpose, we locate claimants and witnesses, confirm identity, test reported facts against the public record, surface undisclosed businesses, employment, and entity affiliations, and document asset footprints and corporate connections – reporting each finding with its source and an honest confidence note, including when the record confirms a claim rather than contradicts it. For a workable request, a first read typically comes back within 24 hours; deeper or multi-jurisdiction work takes longer, and we say so. We work under a permissible purpose, use only lawful public-records and investigative-grade sources, and we are a skip-tracing and public-records research firm.
The boundaries are strict and they matter. We are not an insurer, not your special investigations unit, not a law-enforcement agency, and not a law firm. We do not decide coverage, accept or deny claims, set reserves, or declare that a claim is fraudulent – those determinations belong to the carrier, the SIU, counsel, regulators, and the courts, applying the law and the policy to the full file we do not control. We do not conduct medical examinations or evaluate a medical condition, and we never access private financial account contents or balances or protected medical records. We never pretext, impersonate, or use deception. And we report facts in context, not conclusions about guilt or intent: the record shows an active business, a property timeline that does not match, a connection between parties – set out as discrepancies to examine. Your SIU and counsel weigh them against everything else and decide. That discipline is exactly what makes the research usable in a claims decision, a civil matter, or a referral to a fraud bureau. This page is general information, not legal advice.
Who This Helps
For lawful, permissible-purpose inquiries.
SIU Teams
The independent record layer
Claims Professionals
Facts the file can’t show
Defense Counsel
A documented basis for a case
Fraud Examiners
The connection picture
Carriers
Vetting a questionable claim
Adjusters
A claim tested against records
Whoever you are, the value is an independent, documented test of the claim against the record – facts the file cannot contain. Tell us the claim and your lawful, permissible purpose, and a first read typically comes back within 24 hours.
Our Commitment
For a lawful, permissible purpose, we locate claimants and witnesses, test reported facts against the public record, surface undisclosed businesses, employment, and entity ties, and document asset footprints and connections – each finding with its source and an honest confidence note, including when the record confirms a claim, typically a first read within 24 hours. We are not an insurer, SIU, law-enforcement agency, or law firm: we do not decide coverage, accept or deny claims, set reserves, or declare fraud. We conduct no medical exams and never access private financial account contents, balances, or protected medical records, and never pretext. We deliver facts and discrepancies, not a verdict. Lawful research since 2004 – we research; the carrier and the authorities decide.
Frequently Asked Questions
What does public-records research add to an insurance investigation?
It adds the facts a claim file cannot contain. The file reflects what the claimant reported; research tests that against the independent record – whether a claimant who reports being unable to work runs a business, whether a property’s ownership and timeline hold up, whether separate claims connect through shared parties into a pattern. Those discrepancies live in business registrations, property records, court filings, and entity connections. We surface and document them for your SIU and counsel, who weigh them against the full file.
Do you decide whether a claim is fraudulent?
No. We are not an insurer, an SIU, a law-enforcement agency, or a law firm, and we do not decide coverage, accept or deny claims, or declare that fraud occurred. Those determinations belong to the carrier, the special investigations unit, counsel, regulators, and the courts, who apply the law and the policy to the complete file. We document facts and discrepancies in context – an active business, a mismatched timeline, a connection between parties – and your team decides what they mean.
Can you prove a claimant is working despite a disability claim?
We can research and document indicators from lawful records – whether a claimant is listed as the owner or operator of an active business, holds a professional registration, or has entity affiliations inconsistent with the claim – and report what the records show with sources. That can be a powerful contradiction for your SIU and counsel to weigh. What we do not do is evaluate a medical condition or conduct an exam; the medical side is for qualified professionals, and the conclusion about the claim is the carrier’s and counsel’s.
Will you access medical or bank records?
No. Protected medical records and private financial account contents or balances are off limits, and we do not access them or use deception to obtain them. We work the lawful, public footprint – business and property records, court filings, entity connections, and asset trails – which is what reveals undisclosed interests and inconsistencies. Where protected records are appropriate to a matter, they are reached by the carrier or counsel through proper channels, not by us. We confine ourselves to lawful sources.
Can you find a claimant or witness who can’t be located?
Yes – that is core skip-tracing work. When a claimant has moved or a witness has dropped out of contact, we confirm identity and locate them through lawful records so your SIU, adjuster, or counsel can proceed with the claim or the case. A move is a trail, not a dead end. We locate and document; any contact, examination, or legal step is taken by the appropriate party through the proper process. A first read typically comes back within 24 hours.
What if the research shows the claim is legitimate?
Then we report that just as clearly. Research that confirms a claim holds up against the record is as valuable as research that contradicts it – it lets a carrier resolve a claim with confidence and avoid wrongly denying a legitimate one. We are not incentivized to find fraud; we report what the lawful records show, whether that supports or undercuts the claim. An honest, documented confirmation protects both the carrier and the claimant, and it is a perfectly good outcome.
Is the research lawful and usable?
Yes. We work only under a permissible purpose, use lawful public-records and investigative-grade sources, never pretext or impersonate, and never access protected medical or private financial records. We confirm identity, report findings with their source, and note confidence honestly. Because it is lawfully obtained and documented, the research stands up in a claims decision, a civil matter, or a referral to a fraud bureau. If a request lacks a legitimate, lawful purpose, we decline it.
How fast can you turn this around?
For a workable request with a confirmed permissible purpose, a first read typically comes back within 24 hours, with deeper or multi-jurisdiction work following as the sources respond. You receive sourced findings with confidence noted honestly, a clear account of what was confirmed and what is pending, and discrepancies set out as facts. The research is ours to do; the claims decision, the coverage determination, and any fraud finding stay with the carrier, the SIU, counsel, and the authorities.
Test the Claim Against the Record
Insurance fraud investigations turn on facts a claim file can’t contain – an undisclosed business, a property timeline that won’t line up, a connection that turns separate claims into a pattern. Tell us the claim and your lawful, permissible purpose, and we’ll locate the claimant, test the reported facts against lawful records, and document the discrepancies for your SIU, claims team, and counsel – typically within 24 hours. We research the facts; the carrier and the authorities decide the claim. Contact us to get started.
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