Insurance Fraud Investigation Across Massachusetts
Insurance fraud investigation documents the gap between what a claim says happened and what actually happened — a staged accident, an inflated property-damage claim, an injury that doesn’t match the claimant’s observable activity, or a claim built on a loss that never occurred the way it was described.
Massachusetts has a dedicated Insurance Fraud Bureau, a nonprofit established in the early 1990s that investigates suspected fraud referred by member insurers and refers substantiated cases for criminal prosecution alongside the Attorney General’s office. We work on the insurer’s side of that process — building the factual record (surveillance, records review, interviews) that supports a referral, rather than making the fraud determination ourselves.
- ✓Claim-consistent surveillance to compare observable activity against reported injury or loss
- ✓Scene and damage documentation independent of the claimant’s own photos
- ✓Records research — prior claims history, social media, public activity
- ✓Interview coordination with claims adjusters and defense counsel
- ✓Reports built for referral to an insurer’s fraud unit or the Insurance Fraud Bureau
Built to Support a Referral, Not Replace One
We don’t declare a claim fraudulent — that determination belongs to the insurer, the Insurance Fraud Bureau, or ultimately a court. Our job is to build a clean, well-documented factual record that holds up to scrutiny, so whoever makes that call is working from solid information rather than a suspicion.
Suspect a Claim Doesn’t Add Up?
Tell us what’s inconsistent. We’ll scope an investigation built to document it properly.
Common Questions
Who typically hires you for this work? Insurance carriers, claims adjusters, and defense attorneys most often — this is largely insurer-side work rather than something an individual claimant would need.
How is this different from general surveillance? The methodology is similar, but the documentation is built specifically to compare against the claim’s own stated facts — dates, injury descriptions, activity restrictions — point by point.
Insurance fraud investigations are conducted under the same Massachusetts private investigator licensing requirements that cover all of our work, and findings are documented to the evidentiary standard an insurer’s special investigations unit or outside counsel needs to act on them.
Cases typically start with a records and OSINT review to identify inconsistencies worth following up on, then move to targeted surveillance only where it’s likely to produce something useful — we don’t run open-ended hours against a thin lead.
What a Hub Insurance Fraud Investigation Report Looks Like
Below is a shortened, fictional sample report in the same format our investigators deliver.
HUB SECURITY AND INVESTIGATIVE GROUP
Insurance Fraud Investigation Report — Sample (Fictional)
Case #: SAMPLE-9920 Date Range: 01/22/2026 – 01/30/2026 Investigator: T. Marsh
Summary of Findings: Social media review identified recent posts showing the claimant engaged in physical activity inconsistent with the reported injury. Follow-up surveillance independently confirmed similar activity on two dates, documented with timestamped video.
Recommendation: Findings forwarded to the insurer’s special investigations unit for claim evaluation.
This is a fictional sample created to illustrate our reporting format — the dates and case details shown are not real.
We independently verify anything found online before it goes in a report — a single post isn’t proof on its own.