Capability 03
Insurance & Claims Investigations
To establish relevant claim facts objectively so insurers and claims professionals can distinguish valid claims, errors, exaggeration and material misrepresentation.
When clients call
Situations this work is built for.
- Reported circumstances conflict with records or observed facts
- A high-value or complex claim requires independent field verification
- Injury, disability or loss-of-income assertions require activity enquiries
- Vehicle, collision, fire, property or contents claims contain inconsistencies
- Multiple claims appear connected through people, addresses, providers or events
- Repairers, service providers or intermediaries may be acting irregularly
What the work covers
- Claim circumstance verification
- Claimant, witness and third-party interviews
- Scene, address and business verification
- Activity and capability enquiries
- Motor, theft and collision enquiries
- Property, fire and contents enquiries
- Provider and network integrity enquiries
- Open-source claims intelligence
What the work should establish
- Material claim circumstances confirmed, challenged or left properly unresolved
- Key discrepancies distinguished from minor inconsistencies
- Relevant people, providers and relationships identified
- Potential wider network or repeat-claim indicators surfaced
- Valid claimants are not treated as fraudulent merely because a referral was made
Deliverables
What you receive.
Every deliverable states the question, scope, findings, sources, limitations and unresolved gaps.
- Referral acceptance and investigation plan
- Activity log and progress updates
- Interview records and field-enquiry report
- Scene or address verification
- Photographic or video schedule where lawfully obtained
- Claim chronology and discrepancy matrix
- Final claims investigation report and executive summary
Boundaries
What this work is not.
- Blackthorn does not approve, reject or repudiate claims
- Policy coverage is not interpreted as legal advice
- Surveillance is not automatic and must be lawful, proportionate and relevant
- Claimants and witnesses are never threatened, coerced or misled about legal powers
- Medical causation and disability conclusions remain with qualified professionals
The objective is not to decline claims. It is to establish facts so that valid and suspicious claims can each be handled appropriately.
Confidential enquiries
Start with the question, not the method.
We will assess the concern, lawful purpose and available information before recommending an appropriate scope.
Request a confidential consultation