Insurance Fraud and SIU Investigations
When a Claim Doesn’t Add Up, Get the Facts First
Insurance fraud investigation is the lawful gathering of facts—through surveillance, records research, and interviews—that confirm or disprove the validity of an insurance claim. Redbeard Intelligence & Investigations delivers SIU-grade claims investigation and workers’ compensation surveillance for insurers, special investigation units, and self-insured employers throughout Florida and nationwide.
Who This Service Helps
A qualified insurance fraud investigator supports the professionals responsible for paying claims accurately and defending against inflated or fabricated losses. We regularly work with:
- Insurance carriers and claims adjusters evaluating questionable first-party and third-party claims.
- Special Investigation Units (SIU) that need field capacity and defensible documentation.
- Third-party administrators (TPAs) managing claims for multiple clients.
- Self-insured employers and risk managers controlling workers’ compensation exposure.
- Defense attorneys handling liability, disability, and comp litigation.
- Municipalities and public entities reviewing employee and citizen claims.
What an SIU Investigation Uncovers
Our claims investigations pair discreet field surveillance with thorough background analysis, so a claim decision rests on evidence rather than assumption.
- Sub-Rosa Surveillance
Discreet documentation of a subject’s real-world physical activity.
- Activity Verification
Alive-and-well checks confirm status on open or dormant claims.
- Social Media Review
Open-source review corroborates or contradicts claimed limitations.
- Scene & Witness Work
Scene investigation and witness interviews support liability and accident claims.
- Claims History Research
Background research draws on lawful public and permissible sources.
- Employment Checks
Employment and business-activity checks relevant to comp and disability files.
Situations That Call for a Claims Investigation
Not every claim needs an investigator, but certain red flags justify a closer, professional look. Consider a claims investigation when:
- Reported injuries or restrictions appear inconsistent with a claimant’s daily activity.
- A workers’ compensation claimant may be working while collecting benefits.
- A disability claim describes limitations that seem overstated or unsupported.
- An auto or liability accident looks staged, exaggerated, or has coached witnesses.
- Prior injuries, pre-existing conditions, or previous claims were not disclosed.
- Property, theft, or loss claims contain gaps, altered documents, or timing concerns.
What to Provide When You Open a Case
The more detail we receive at intake, the faster and more efficiently we can work. Helpful materials include:
- The claim number, date of loss, and nature of the claim.
- Claimant identifiers such as full name, date of birth, and last known address.
- A recent photograph and any known vehicle descriptions or tag numbers.
- The alleged restrictions, limitations, or impairments in question.
- Known employers, gyms, routines, or locations the subject frequents.
- Your objectives, reporting preferences, and approved budget or hours.
How the Investigation Process Works
Every assignment follows a disciplined, repeatable workflow:
- Intake and scope. We confirm objectives, legal boundaries, and budget before any field work begins.
- Pre-surveillance research. We verify the subject, address, and patterns so field hours are used efficiently.
- Field surveillance and activity checks. Investigators document behavior discreetly and lawfully.
- Documentation. Video and photographs are captured with date and time references and a clear chain of custody.
- Reporting and consultation. We deliver findings and discuss next steps with your team.
What You Receive
Deliverables are prepared to withstand scrutiny from adjusters, SIU reviewers, and opposing counsel:
- A detailed written report with a chronological activity log.
- Time-stamped video and still photographs of documented activity.
- Investigator observations, methodology, and, when appropriate, a sworn declaration.
- Organized evidence handled under a documented chain of custody.
- A concise summary that supports your claim decision and any litigation support needs.
Confidentiality and Legal Compliance
Redbeard operates under and uses lawful methods only. We conduct surveillance from public vantage points and do not trespass, wiretap, place unlawful tracking devices, or obtain protected records through pretext. Background research relies on permissible public and legally available sources, consistent with the Fair Credit Reporting Act and Florida law. Case materials are handled discreetly and shared only with your authorized team.
Why Choose Redbeard
Insurers value an investigator who protects the file as carefully as the field footage. Redbeard brings statewide reach from offices in Orlando and Naples, experienced surveillance and fraud investigators, and documentation prepared with claims and litigation in mind. We communicate clearly, respect deadlines, and report findings objectively—whether they support or undercut the suspicion that opened the file.
What Affects the Cost
Investigation fees depend on the scope and difficulty of the assignment. Key factors include:
- The number of surveillance hours and days requested.
- How many investigators are needed for coverage or mobile subjects.
- Travel and geography, including rural or multi-county assignments.
- Case complexity, such as sub-rosa video versus a basic activity check.
- Rush timelines and after-hours or weekend requirements.
Related Services
Insurance claims work often overlaps with our other capabilities. Clients frequently pair this service with our Surveillance Investigator, Fraud Investigator, Background Investigations, and Litigation Support Investigator services for a complete evidence and case-support package.
Coverage Across Florida and Nationwide
From our corporate offices Orlando and Naples, Redbeard handles claims investigation and workers comp surveillance throughout Florida—including Tampa, Miami, Jacksonville, Fort Myers, and the surrounding regions—and coordinates nationwide assignments for carriers and employers with multi-state exposure.
Speak With an Insurance Fraud Investigator
If you are evaluating a questionable claim, a confidential consultation is the fastest way to plan an effective, compliant investigation. Call Redbeard Intelligence & Investigations at (888) 564-8300 or email contact@redbeardpi.com to discuss your case and the best next steps.
Frequently Asked Questions
Is insurance surveillance legal?
Yes. When performed by a licensed investigator using lawful methods—observing from public areas without trespass, wiretapping, or unlawful tracking—surveillance is a recognized and accepted claims tool.
How many hours of surveillance are typical?
It varies by claim. Many workers’ compensation assignments run in blocks of roughly eight to twenty-four hours across multiple days to capture a representative picture of activity.
Can the video be used in a claim or in litigation?
Time-stamped footage and detailed reports are prepared to support claim decisions and may be offered as evidence, subject to the rules of the applicable venue and counsel’s direction.
Do you work directly with SIU units and TPAs?
Yes. We support carriers, SIUs, third-party administrators, and self-insured employers, and we can integrate with your referral, reporting, and case-management workflow.
How quickly can an investigator be deployed?
In many cases we can begin within 24 to 48 hours in our core Florida markets, subject to scheduling, location, and the specifics of the assignment.
Why Hire a Private Investigator for Insurance Fraud Investigations?
Insurers and SIU teams need documentation strong enough to survive scrutiny from adjusters and opposing counsel, not just a hunch. Redbeard’s licensed investigators pair discreet sub-rosa surveillance with disciplined reporting and a defensible chain of custody, and we report findings objectively — whether they support or undercut the suspicion that opened the file.
What is the cost? | how does it work?
At Redbeard Intelligence & Investigations, we offer upfront, transparent pricing that reflects the specific details and complexity of each case. Instead of vague estimates or hidden charges, we provide clear, upfront pricing tailored to your investigation’s unique requirements—without unexpected fees, hidden costs, or additional unexpected expenses. Our goal is to offer efficient, high-quality investigative and intelligence solutions with transparency and peace of mind.
To begin an investigation, intelligence operation, or technical security assessment, the first step is a confidential consultation via phone or email with one of our experienced professionals. During this initial discussion, we will gather key details about your situation to determine the most effective strategy tailored to your needs. Whether you require private investigative services, intelligence gathering, or technical security solutions, our team will develop a customized plan designed to achieve your objectives. Based on the specific requirements of your case, we will then provide a transparent price quote and/or invoice for the cost of the services needed. Throughout the process, we ensure clear and consistent communication, keeping you informed of any significant developments. Upon completion, you will receive a comprehensive written report detailing our findings, along with any supporting evidence such as photos, video documentation, or technical security assessments.
Helpful Guides
Contact us through phone or email for an initial discussion and provide key details about your needs.
Based on the specific requirements of your case, you'll will receive a flat-rate price quote and invoice for the cost of the services needed.
With pricing and mutual terms accepted, payment will be collected for the predetermined costs, and you'll officially become our client.
Throughout the process, we keep you informed of any significant developments. Upon completion, you will receive a written report detailing our findings, along with any supporting evidence or documentation.
