Insurance fraud isn’t always obvious. Many questionable claims look legitimate on paper until you examine the details: timelines that don’t align, inconsistent statements, suspicious documentation, staged losses, inflated damages, or “missing” property that can’t be verified. When an insurer has reasonable concerns but lacks proof, the decision becomes high-risk: pay a potentially fraudulent claim, or deny and face exposure without strong supporting facts.
Cabit Private Investigations & Intelligence supports insurance carriers, TPAs, and claims teams through Special Investigations Unit (SIU) services focused on one objective: get the facts, clearly documented, defensible, and usable for claim decision-making.
Licensed Claims Adjusters + Investigators
Our SIU capability is strengthened by many of our investigators who are also licensed claims adjusters across 13 states. That matters because we understand investigations from both sides:
- How claims are evaluated and documented
- What decision-makers need to support payment, denial, or escalation
- How inconsistencies typically appear across files, statements, photos, and records
- What to look for early before losses multiply or evidence disappears
This combined experience helps us deliver investigations that are practical, efficient, and aligned with real claims operations.
When Insurers Call Cabit
Insurance companies often contact us when:
- A claim appears fraudulent, staged, exaggerated, or partially untrue
- The narrative keeps changing or doesn’t match objective records
- There are suspicious vendors, witnesses, or recurring participants
- The damages seem inconsistent with the alleged cause
- Property is reported missing but cannot be verified
- The insurer suspects fraud but needs proof, not just suspicion
Fraud can be outright falsehood, or it can be a “real loss” that is inflated, misrepresented, or leveraged into an improper payout. Our job is to clarify what is true, what is not, and what can be proven.
What We Do in SIU Investigations
Claim Verification and Loss Validation
A core part of SIU work is confirming that the claim is real and accurately represented. We verify:
- Whether the incident likely occurred as reported
- Whether reported damages align with the event narrative
- Whether missing items can be substantiated
- Whether documentation matches objective indicators and timelines
When appropriate, we conduct scene verification and loss reconstruction to evaluate whether the facts support the claim.
Background and Profile Intelligence
Fraud frequently involves patterns, repeat actors, related claims, undisclosed relationships, and hidden incentives. We conduct background and entity research to identify:
- Prior claims indicators and suspicious patterns
- Shared identifiers (addresses, numbers, emails, associates, vendors)
- Conflicts of interest and linked participants
- Operational overlaps that suggest coordination
Evidence Gathering Through Extensive Resources
Cabit has access to extensive databases, security camera sources, and profile identifiers that can assist in establishing:
- Identity verification and participant footprints
- Contradictory information across records and submissions
- Timeline inconsistencies
- Vendor legitimacy and operational history
- Location and activity validation where legally appropriate
This capability helps move investigations beyond “it feels wrong” to documented, supportable findings.
Interviews and Statement Development
We conduct professional interviews with claimants, witnesses, neighbors, vendors, and other involved parties to:
- Identify inconsistencies and credibility issues
- Clarify timelines and pinpoint omissions
- Preserve statements in a documented format suitable for SIU review
Surveillance and Activity Verification (When Appropriate)
Where the facts depend on conduct or capability, we can provide lawful surveillance and verification, documented clearly and professionally for internal claim review.
Documentation That Supports Decision-Making
SIU investigations succeed when findings are clear, organized, and defensible. Cabit delivers:
- Written investigative reports structured for claims review
- Organized supporting documentation and exhibits
- Timelines, contradiction summaries, and link/identifier findings where applicable
- Evidence that supports payment, denial, recovery, or escalation decisions
Our goal is to give your team the clarity and documentation needed to act confidently.
Protect Your Book of Business
Fraud isn’t just a single loss, it impacts premiums, reserves, operational time, and long-term risk. A disciplined SIU investigation can help:
- Reduce improper payouts
- Identify repeat actors and patterns early
- Support recovery and referral pathways when appropriate
- Improve claim integrity and decision confidence
SIU Support You Can Rely On
When a claim doesn’t add up, your organization needs facts not assumptions. Cabit Private Investigations & Intelligence provides SIU investigations that are evidence-driven, operationally aligned, and documented for real-world claim decisions.