Delator Group · Investigative Services · Insurance Investigations
Fraud doesn't
pay what it claims.
Insurance fraud investigation and claims intelligence for carriers, adjusters, and defense counsel across Tennessee. Delator delivers the documented evidence that separates legitimate claims from fraudulent ones — before payouts are made and after disputes arise.
The Insurance Investigation Standard
Evidence that decides
claims before they cost you.
The cost of a fraudulent claim is never just the payout.
Fraudulent and exaggerated insurance claims cost the industry billions annually — and those costs flow directly to carriers, reinsurers, and ultimately the policyholders who pay increasing premiums as a result. The most effective point of intervention is before a claim pays, not after litigation is already underway.
Delator Group's insurance investigation division serves carriers, SIU departments, third-party administrators, and defense counsel with the field intelligence and documented evidence needed to make confident claims decisions. Our investigators bring the same operational discipline forged through military service and federal law enforcement to every claimant surveillance and fraud investigation we conduct.
We understand the insurance investigation environment — the evidentiary standards, the legal boundaries of claimant surveillance, and the documentation requirements that make findings defensible in both claims decisions and litigation. What we deliver is built to hold up, because we build it that way from the start.
Insurance Investigation Services
Every claim type.
Every angle.
From workers' compensation to personal injury, property claims to life and disability — Delator's insurance investigations are conducted by specialists matched to the specific claim type and the evidentiary standard it demands.
Covert mobile and stationary surveillance of claimants whose reported injuries or disabilities are inconsistent with observed behavior. Time-coded video and photographic documentation of physical capabilities, daily activities, employment, and recreational conduct — formatted for claims decisions and litigation.
Investigation of workers' compensation claims involving suspected fraud, exaggeration, or undisclosed secondary employment. Surveillance of claimants performing activities inconsistent with their claimed injury, verification of employment status, and documentation of secondary income sources that may affect benefit eligibility.
Pre-trial investigative support for personal injury defense — claimant activities surveillance, prior injury research, social media intelligence, witness canvassing, and scene investigation to identify inconsistencies between claimed damages and documented reality.
Investigation of cohabitation status for life, health, disability, and auto insurance matters — including verification of marital status, household composition, and lifestyle indicators relevant to policy eligibility and benefit entitlement. Conducted with full legal compliance and documented for claims use.
Professionally obtained recorded statements from claimants, witnesses, and third parties — conducted by investigators trained in admissibility requirements and proper interview methodology. Combined with comprehensive background research on claimant history, prior claims, criminal records, and credibility indicators.
Investigation of suspected arson, staged theft, property damage fraud, and specialty insurance claims — including business interruption fraud, disability claim misrepresentation, and life insurance fraud investigations. Scene documentation, background research, and financial pattern analysis supporting SIU referrals and criminal prosecution.
Field Intelligence
Observed. Documented.
Delivered.
Delator's insurance field investigators operate under the same chain-of-command discipline that governs every aspect of our organization. Every surveillance assignment is supervised, every report reviewed, and every deliverable held to the evidentiary standard that makes it useful when challenged — in a claims review, a deposition, or a courtroom.
What Carriers & Counsel Receive
Evidence built to
support every outcome.
From field observation
to claims decision.
Every Delator insurance investigation deliverable is formatted to support the specific outcome your team needs — whether that is a denial, a settlement negotiation, a litigation strategy, or an SIU referral.
- HD covert surveillance video with embedded GPS coordinates, time and date stamps, and continuous chain of custody documentation
- Timestamped photographic documentation of claimant activities, physical capabilities, and observed conduct
- Written surveillance reports with detailed chronological activity logs and investigator certification
- Background investigation reports with prior claims history, criminal records, and documented credibility indicators
- Recorded statements with full audio documentation, transcription support, and admissibility certification
- Investigator affidavits and availability for examination under oath, deposition testimony, and trial appearance
- SIU-formatted fraud investigation packages for regulatory referral, law enforcement submission, and prosecution support
How We Work
From referral
to claims-ready evidence.
Adjusters, SIU teams, and defense counsel refer claims directly to Delator. We review the claim details, the nature of the suspicion, and the specific investigative objective — then confirm scope, timeline, and deliverable format before deployment.
We assign the investigator whose field experience, specialty, and geographic coverage best fit the claim type and claimant location. Insurance investigations are matched to specialists — not rotated through a generic field pool.
Surveillance, background research, statement collection, and any other field activities conducted under Delator's operational standards — legally compliant, continuously documented, and supervised through our chain-of-command structure throughout the engagement.
Complete investigative package delivered in the format your claims team or litigation counsel requires — video, photos, written reports, background files, and investigator certifications — reviewed by Delator QC before delivery.
The Fraud Cost Equation
Every fraudulent claim
paid is a precedent set.
Paying a fraudulent claim does not close a file — it signals that the system can be exploited again. Delator's investigations give carriers and counsel the factual basis to make decisions confidently, deny claims defensibly, and refer fraud for prosecution when the evidence supports it.
Why Carriers Choose Delator
Insurance investigation
done properly.
Insurance investigations live or die on the quality of the documentation behind them. Delator brings the field discipline, legal compliance, and evidentiary standards that produce findings capable of withstanding adjuster review, litigation scrutiny, and regulatory examination.
Every Delator surveillance and investigation method is conducted within the legal boundaries governing insurance investigations in Tennessee. Our investigators understand what is permissible, what is not, and why that distinction matters when findings are challenged in court or regulatory proceedings.
Tennessee's largest investigative network means a field investigator can be deployed to any county in the state — often same-day — to begin claimant surveillance, conduct scene investigation, or canvass witnesses while evidence is still fresh and subjects are still in routine patterns.
Every insurance investigation conducted by Delator is supervised through our command structure. Reports are reviewed before delivery. Methodology is documented. The quality assurance that makes our findings defensible is not an afterthought — it is structural.
Delator's surveillance packages and investigative reports have supported claims decisions, depositions, and trial testimony across Tennessee. Defense counsel returns to us because our evidence does not create problems in litigation — it resolves them.
When investigations reveal fraud significant enough for criminal referral, Delator delivers packages formatted for SIU submission, law enforcement handoff, and prosecutorial use — with the documentation chain necessary to support a criminal investigation from the moment it opens.
Founded by veterans of U.S. military service and federal law enforcement, Delator's investigators are trained to operate with precision, document continuously, and maintain composure under the scrutiny that follows a challenged claims decision. That discipline shows in the quality of every deliverable we produce.
Know what the
claim is actually worth.
Delator's insurance investigation team is ready to receive referrals directly from adjusters, SIU departments, third-party administrators, and defense counsel. Reach out to discuss your claim and how we can help.