Insurance Investigations in Alaska

01The law

How Alaska Defines and Grades Insurance Fraud

Alaska's insurance fraud statute, AS 21.36.360, describes fraudulent or criminal insurance acts, including false or misleading statements on a claim made with intent to injure, defraud or deceive. As of the 2025 Alaska Statutes, claim or premium fraud of $10,000 or more is a class B felony, $500 to under $10,000 is a class C felony, and under $500 is a class A misdemeanor. A false sworn statement to the Division of Insurance is separately listed as a class B felony. Our fraud risk audits help carriers see where those exposures cluster.

Those grades matter to how a file is built. A carrier weighing a referral, a denial or a negotiated close wants evidence that shows what the claimant said, what actually happened and how the gap was documented. We do not decide whether conduct is a crime; counsel and prosecutors do. We produce the factual record, whether that means claim surveillance in Alaska, a records review, or a broader scam investigation when several claims appear connected.

02Workers' compensation

Workers' Compensation Claim Investigations in Alaska

Under AS 23.30.250, a person who knowingly makes a false or misleading statement to obtain a workers' compensation benefit, helps someone do so, or misclassifies employees to avoid premiums is guilty of theft by deception, graded by the theft statutes. After a hearing, the board orders full reimbursement of benefits obtained plus the employer's and carrier's reasonable costs and attorney fees, and a harmed person may sue for damages and, to the extent allowed by law, three times the damages sustained. Our workers' comp surveillance is built to support exactly that kind of record.

Alaska's workforce makes these files unusual. Seafood processing, oil-field support, construction and seasonal tourism put many workers on rotations or in camps far from home, and some claimants leave the state between seasons. Activity checks have to account for where the claimant actually lives, not where the employer last mailed a check. On the Kenai Peninsula, where oil, gas and commercial fishing overlap, our Kenai field investigators handle many of these claims, and a broader employee surveillance program suits employers with recurring concerns.

• Activity checks matched to the claimed restrictions
• Residence confirmation for claimants who relocate
• Prior claim and employment history research
• Video and notes prepared for a board hearing

03Liability claims

Bodily Injury, Premises and Wrongful Death Claims

Most Alaska personal injury and death claims carry a two-year limitations period under AS 09.10.070, so liability investigations need to start while witnesses still remember and scenes still look the way they did. For premises claims we document conditions, lighting, maintenance records and who was present. For injury claims we compare the claimed limitations against activity observed in public, and we locate witnesses who have since moved. A witness background check helps counsel assess credibility before a deposition.

Wrongful death claims follow their own rules. Under AS 09.55.580, the action is brought by the decedent's personal representative within two years after the death, and recovery is generally for the spouse, children or other dependents, with damages that can include lost support, lost services and loss of consortium. Facts about dependency, household support and the circumstances of the death often decide value. Our wrongful death investigations in Alaska gather those facts for carriers and defense counsel, and our Anchorage claim investigators handle many such files in the state's largest courts.

04Auto claims

Auto and Hit-and-Run Claims on Alaska Highways

Alaska's highways create their own claim patterns. The Seward Highway between Girdwood and Turnagain Pass can carry up to 15,000 vehicles a day in summer, the Dalton Highway is mostly gravel with fuel at only three points, and Thompson Pass on the Richardson Highway is known for severe winter driving. Scene work on these routes means documenting surfaces, sight lines and light conditions on the right date. Our Seward investigative coverage and the team handling Valdez and Richardson Highway claims know those conditions well.

When a driver leaves, the claim depends on identifying them. Under AS 28.35.050, a driver involved in a crash causing injury, death or damage to an attended vehicle generally must stop immediately and remain until required duties are met, and a driver who strikes an unattended vehicle must try to notify the owner or leave a written note. We do not grade the offense; we find the driver. Our hit-and-run locate service works vehicle descriptions, repair-shop leads and witnesses, and auto shop damage investigations address disputes over repairs after the loss.

05Property and equipment

Marine, Aviation and Commercial Property Losses

In Alaska, many insured assets float or fly. Under AS 11.46.360, first-degree vehicle theft expressly covers aircraft and watercraft, and claims involving skiffs, fishing vessels, outboard motors, floatplanes and snowmachines are routine for carriers here. A claimed theft can be genuine, staged or the result of a sale the owner regrets. We trace listings, sales and registrations and document where the property was last seen. Our stolen equipment investigations and stolen vehicle claims work follow the same lawful methods.

Commercial fishing communities concentrate this exposure. Petersburg has been reported as ranking 15th among U.S. fishing ports by volume and 13th by value in 2011, based on federal fisheries figures, and Kodiak's economy rests on its fleet and processors. Losses in those ports can involve gear, catch, vessel damage and business interruption at once. Our Petersburg investigative coverage and Kodiak claim support are scheduled around flights and sailings, and any travel is quoted in writing before we go.

06Evidence rules

Surveillance, Recorded Statements and Alaska Consent Rules

Alaska is generally a one-party consent state for recording conversations. AS 42.20.310 bars using a device to hear or record an oral conversation without the consent of a party, and a violation is a class A misdemeanor under AS 42.20.330. Our investigators can record statements they take part in, with the subject's knowledge where the carrier's protocol calls for it, but they never record conversations they are not part of. Our guide to recording someone in Alaska explains the distinction.

Surveillance has its own limits. AS 11.41.270 treats GPS monitoring and planted recording devices as nonconsensual contact for stalking purposes, so we never place trackers, and AS 11.61.123 makes viewing or photographing people in private states of undress a crime, so we film only what is visible from public places. Light shapes the work as well: Fairbanks gets under four hours of daylight on the winter solstice. Our Fairbanks surveillance team plans winter activity checks around that, and all Alaska surveillance investigations follow the same rules.

07Reporting

Claim Reports, Video and Testimony That Hold Up in Alaska

A claim report is only useful if it survives scrutiny. Ours list who did what, when and where, with Alaska Time stamps, unedited video, chain-of-custody notes and a plain description of what the investigator could and could not see. The same report has to work for an adjuster, a workers' compensation hearing, a mediator and a judge. When counsel wants help planning a contested file, our investigative consulting service reviews the evidence and the gaps before more money is spent.

Litigated claims may land in district court, which hears civil claims up to $100,000 per defendant, in superior court, or in federal court, which is staffed in Anchorage, Fairbanks and Juneau. Our investigators can testify to their observations and the methods used, and we prepare them to do so plainly. Defense firms using our attorney support services receive reports formatted for exhibits, and capital-area files go to our Juneau investigators. Strong insurance investigations in Alaska come down to that consistency between what was seen and what was written.

Services

Insurance Investigation Services Delator Provides in Alaska

• Claim activity surveillanceLawful observation from public places that compares a claimant's real activity with claimed restrictions, documented with video and Alaska Time stamps.Learn more
• Workers' comp investigationActivity checks, residence confirmation and prior-claim research prepared for adjusters, defense counsel and any hearing before the Alaska workers' compensation board.Learn more
• Wrongful death investigationFact development on dependency, support and the circumstances of a death, organized for carriers and the defense counsel handling the claim.Learn more
• Witness locate and backgroundWe find witnesses who moved after the loss and research their history so counsel can judge credibility before a recorded statement or deposition.Learn more
• Hit-and-run driver identificationVehicle descriptions, repair-shop leads and witness canvassing to identify and locate the other driver after a collision on Alaska roads.Learn more
• Stolen property tracingSales, listings and registration research on stolen boats, motors, trucks, snowmachines and tools, prepared so carriers and law enforcement can act on it.Learn more
• Auto repair disputesInvestigation of repair quality, billing and supplemental damage claims involving body shops and mechanics after an insured auto loss in Alaska.Learn more
• Organized fraud reviewAnalysis of claim clusters, shared providers, repeated addresses and linked claimants that suggest coordinated fraud rather than isolated mistakes or honest errors.Learn more
• Claimant background researchRemote background research on a claimant's prior claims, employment and public records, starting with a $102 basic report or a $300 deep dive.Learn more

How it works

How an Alaska Insurance Investigation Works

1. 01

   Claim intake

   You send the claim summary, the restrictions or loss at issue and any deadlines. We identify what evidence would actually move the file and what Alaska law allows us to gather.

2. 02

   Written scope and price

   We set the hours, the surveillance windows planned around daylight, and any flights or sailings, then confirm the full scope and price in writing before work begins.

3. 03

   Field and records work

   Investigators conduct lawful surveillance, scene work, witness interviews and records research, logging every observation with Alaska Time stamps and preserving original, unedited video for the file.

4. 04

   Report and testimony

   You receive a written report with video, photographs and source notes. If the claim is litigated, the investigator is prepared to testify plainly about what they saw.

Compare

Alaska Insurance Investigation Options at a Glance

Statewide coverage

Insurance Investigation Coverage Across Alaska

We handle claims statewide, from road-system towns to communities reached only by air or water. In the Mat-Su, Wasilla claim investigators cover the fastest-growing borough, and the Glenn Highway connects that work to Anchorage. Southcentral coastal files often involve Homer claim support on Kachemak Bay. In Southeast, Ketchikan insurance coverage and Sitka files are planned around flights and ferry sailings, and western claims route through Bethel field work. Every trip is quoted in writing, and we confirm local requirements before any field work in cities that license private detectives.

• Anchorage
• Fairbanks
• Kenai
• Wasilla
• Kodiak
• Juneau
• All of Alaska

FAQ

Frequently asked questions

Every service

Investigations available in Alaska

Every service below is available in Alaska and across Alaska, run by the same Delator Group leadership that manages our Tennessee casework. Choose a service to read how it works in Alaska.

Service areas

Private investigators across Alaska