Claims & SIU Support · Tennessee Statewide
Insurance fraud investigations that decide claims before they cost you
Delator Group conducts insurance fraud investigations across all 95 Tennessee counties for carriers, TPAs, self-insured employers and defense counsel. Licensed investigators handle claimant surveillance, workers' compensation and personal injury verification, recorded statements and background research, then deliver time-coded video and SIU-formatted reports built to support every outcome.
- Licensed, insured Tennessee investigators
- SIU-formatted, court-ready evidence packages
- All 95 counties, one accountable team
- 95Tennessee counties covered
- 75+Designated investigative specialties
- 24/7Availability for new referrals
- 5.0Google rating
Quick answer
What is an insurance fraud investigation?
An insurance fraud investigation is a lawful, independent inquiry into whether a claim is accurate. A licensed private investigator documents the claimant's observable activities, verifies employment and living arrangements, researches prior claims and injuries, takes recorded statements and reports the findings so the adjuster, SIU or attorney can make a defensible decision.
01Why it matters
Fraud doesn't pay what it claims
A questionable claim rarely closes cleanly. When a file is paid without verification, it signals that the system can be exploited again, and the cost shows up in reserves, premiums and litigation exposure. Carriers, third-party administrators and self-insured employers in Tennessee need facts gathered early, while activity patterns are still observable and witnesses still remember.
Delator Group was founded by military and federal law-enforcement veterans who treat every referral as an evidentiary assignment rather than a stakeout. You speak directly with leadership, your investigator is a licensed and insured member of our own network, and nothing is subcontracted to unvetted freelancers. The goal is simple: evidence that decides claims before they cost you.
- Carriers, TPAs and self-insured employers
- Insurance defense attorneys and paralegals
- Special Investigations Units needing field capacity
- Risk managers reviewing recurring claim patterns
02Field operations
Claimant surveillance, observed and documented
Surveillance remains the core of most insurance fraud investigations. Our investigators run covert mobile and stationary operations from lawful public vantage points, capturing time-coded HD video and timestamped photographs of the claimant's activities. Every hour is logged chronologically so the reviewer can match footage to the report line by line.
Tennessee law places real limits on field work. Licensed investigators generally cannot trespass on private property, pose as law enforcement, or place a GPS tracker on a vehicle the client has no ownership interest in. We plan around those boundaries so the evidence holds up, and your attorney can advise on any case-specific admissibility questions.
- Covert mobile and stationary surveillance
- Time-coded HD video
- Chronological activity logs for every assignment
- Coverage across Middle, East and West Tennessee
03Injury claims
Workers' compensation and personal injury verification
Workers' compensation fraud usually turns on a gap between reported restrictions and real-world activity. We verify secondary employment, monitor activity against the claimed limitations and assess benefit eligibility with documentation an adjuster or the employer's counsel can rely on in proceedings before the Tennessee Bureau of Workers' Compensation.
For personal injury defense, we support counsel before trial with claimant activity surveillance, prior-injury research and social media intelligence drawn from publicly available sources. Findings are organized around the specific allegations in the complaint, so your team sees what matters instead of sorting through hours of unedited footage.
04Statements & background
Recorded statements and claimant background research
Our investigators take recorded statements from claimants and witnesses, research prior claims history and build background profiles that highlight credibility indicators. Tennessee is generally a one-party-consent state for recording conversations under Tenn. Code Ann. § 39-13-601, but we still follow carrier protocols and disclose recording where your guidelines require it.
Background work stays within lawful sources. A private investigator cannot obtain phone records or bank records without legal process, so where those records matter we identify what exists and help your counsel pursue it through subpoena or discovery.
- Recorded statements with audio documentation
- Prior claims and litigation history research
- Social media and open-source intelligence
- Credibility indicators summarized for the adjuster
05Property & specialty lines
Cohabitation, property and specialty claims
Some claims hinge on who lives where. We verify cohabitation status and household composition when policy terms or benefit eligibility depend on it, documenting observable facts rather than assumptions.
On the property and specialty side, our insurance fraud investigations extend to arson, staged theft, disability and life insurance matters with field investigation, witness canvassing and background research. Specialized cases are routed to investigators whose designated specialty matches the claim type, drawn from more than 75 specialties across our Tennessee network.
06Deliverables
Evidence built to support every outcome
Whether a file settles, is denied or goes to trial, the evidence has to stand on its own. Every assignment closes with a package your SIU, adjuster or defense counsel can use immediately, and our investigators remain available for affidavits and trial testimony.
Pricing is transparent and quoted up front, so you know the scope and cost of the work before an investigator is deployed. There is no retainer quietly burning in the background.
- Time-coded HD covert surveillance video
- Timestamped photographic documentation
- Written surveillance reports with chronological logs
- Background investigation reports
- Investigator affidavits and trial availability
- SIU-formatted fraud investigation packages
Services
Insurance investigation services we handle
- Workers' Comp SurveillanceActivity documentation and secondary employment checks that compare a claimant's daily routine with the restrictions and injuries reported on the workers' compensation claim.Learn more
- Insurance Claim SurveillanceCovert, time-coded surveillance of claimants in personal injury, disability and liability matters, delivered with chronological logs built for adjuster and attorney review.Learn more
- Witness Background ChecksBackground research on claimants and witnesses covering prior claims, litigation history and credibility indicators drawn from lawful public and proprietary sources.Learn more
- Fraud Risk AuditA structured review of how claims and payments move through your organization, identifying the gaps that make repeat fraud possible and how to close them.Learn more
- Skip TracingLocating claimants, witnesses and parties who have moved or stopped responding, so statements can be taken and documents served without delay.Learn more
- Asset InvestigationsAsset searches that support subrogation, recovery and judgment decisions by identifying what a party owns and where it is held in Tennessee.Learn more
- Stolen EquipmentInvestigation of equipment and property theft claims, including suspected staged losses, with field canvassing, background research and documentation that supports defensible coverage decisions.Learn more
- Process ServingStatewide service of subpoenas and litigation documents by the same accountable team, keeping claims litigation moving across all 95 Tennessee counties.Learn more
How it works
From claim referral to evidence delivery
- 01
Claim referral and intake
Send the claim number, claimant details and the questions you need answered. Leadership reviews the file directly, confirms scope and gives you transparent pricing before any field work begins.
- 02
Investigator assignment
We match the file to a licensed, insured investigator whose specialty and region fit the claim, whether the claimant is in Memphis, Nashville, Knoxville, Chattanooga or a rural county.
- 03
Field investigation
Surveillance, recorded statements, canvassing and background research proceed within Tennessee law. Investigators log activity chronologically and escalate time-sensitive developments to you as they happen, so you are never waiting on a final report for urgent news.
- 04
Evidence delivery
You receive time-coded video, photographs, written reports and, where requested, an SIU-formatted package. Our investigators remain available afterward for affidavits, depositions and trial testimony if the claim is litigated.
Compare
Claim situation and what Delator Group delivers
| Claim situation | Investigative approach | Primary deliverable |
|---|---|---|
| Workers' comp claimant may be working elsewhere | Surveillance plus secondary employment verification | Time-coded video and written activity log |
| Personal injury claim heading toward trial | Pre-trial surveillance, prior-injury and social media research | Surveillance report and background findings for counsel |
| Benefit tied to household status | Cohabitation and household composition verification | Documented observations and eligibility summary |
| Suspicious theft or property loss | Field investigation, canvass and claimant background | Investigation report with supporting documentation |
| Conflicting claimant and witness accounts | Recorded statements and credibility research | Audio statements with transcribed summary |
| SIU referral needing outside field capacity | Full assignment from intake to delivery | SIU-formatted fraud investigation package |
Statewide coverage
Insurance investigators across all of Tennessee
Claims do not stay near the adjuster's desk, so neither do we. Delator Group covers all 95 Tennessee counties from a Nashville headquarters, with investigators working West Tennessee from Memphis, Jackson and Shelby County, Middle Tennessee across Davidson, Rutherford, Williamson and Montgomery counties, and East Tennessee from Knoxville, Chattanooga and the Tri-Cities. Centralized leadership keeps reporting consistent whether a claimant lives downtown or in a rural county, and our investigators are familiar with the chancery and circuit courts where contested claims end up.
FAQ
Frequently asked questions
Is it legal to put an insurance claimant under surveillance in Tennessee?
In most cases, yes. A licensed Tennessee private investigator may observe and record a claimant's activities in public places or places visible from public vantage points. Investigators generally cannot trespass, impersonate law enforcement or place a GPS tracker on a vehicle the client does not have an ownership interest in. Your attorney can advise on how specific footage may be used in your matter.
What does an insurance fraud investigator actually deliver?
Typical deliverables include time-coded HD surveillance video, timestamped photographs, a written report with a chronological activity log, background findings and recorded statements where requested. For carriers with a Special Investigations Unit, we can format the package to SIU standards. Investigators are also available for affidavits and trial testimony.
How much does an insurance investigation cost in Tennessee?
Cost depends on the type of work, the number of surveillance hours, travel and whether statements or background research are included. Delator Group quotes transparently before work begins, so you approve scope and price up front. Our service pricing page and the guide to private investigator costs in Tennessee explain the main factors in more detail.
Can you verify whether a workers' comp claimant is working another job?
Yes. Secondary employment verification is one of the most common workers' compensation assignments we handle. Investigators combine lawful surveillance with background and open-source research to document whether the claimant appears to be working and whether observed activity is consistent with reported restrictions. Findings are presented factually so the adjuster or counsel can draw conclusions.
Do Tennessee private investigators need a license for insurance work?
Yes. Private investigators in Tennessee are licensed through the Tennessee Private Investigation and Polygraph Commission under the Private Investigators Licensing and Regulatory Act, Tenn. Code Ann. § 62-26-201 et seq. Every Delator Group investigator is licensed and insured, and you can verify a license yourself using the steps in our guide on checking a private investigator's license.
Can a private investigator record a claimant's statement without telling them?
Tennessee is generally a one-party-consent state under Tenn. Code Ann. § 39-13-601, meaning a participant in a conversation may usually record it. In practice, formal recorded statements for insurance claims are normally taken with the speaker's knowledge, and we follow your carrier's protocols. Your attorney can advise on any recording question specific to your file.
Can you get a claimant's phone or bank records?
No. A private investigator cannot lawfully obtain phone records or bank records without legal process such as a subpoena or court order. What we can do is identify what records likely exist and where, so your counsel can request them through discovery. Background research otherwise relies on lawful public records and permitted data sources.
Do you handle claims outside Nashville?
Yes. We cover all 95 Tennessee counties, including Memphis and Shelby County in West Tennessee, Knoxville, Chattanooga and the Tri-Cities in East Tennessee, and rural counties across the state. Assignments are managed centrally, so reporting quality stays the same wherever the claimant lives.
How quickly can an investigation start after a referral?
Start time depends on the claim type, location and how much preparation surveillance requires. Once you submit a referral, leadership reviews it directly and gives you a realistic plan and schedule. Our guide on how long investigations take in Tennessee covers the factors that affect timing.
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Delator Group Private Investigators
Refer a claim to a licensed Tennessee investigator
Send us the claim details and the questions you need answered. Leadership will review it directly, confirm scope and quote transparent pricing before any investigator is deployed anywhere in Tennessee.
