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AI Tools for Insurance Investigators
AI tools that help insurance investigators research claimants, verify facts, identify fraud patterns, analyze social media, and build evidence-backed investigation reports.
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Works in Chat, Cowork and Code
SourceFindingDate
FL SOSSmith Contracting LLC — active registration6 months post-claim
Hillsborough County CourtsPrior BI claim 2021 — same plaintiff attorney2021
FacebookConstruction site photos — physical laborDuring disability period
LinkedInSelf-employed contractor — active profileCurrent
SIU referral recommended · prior claims pattern found
Claimant background research
Search public records, professional databases, and social media for information about a claimant. Verify identity, employment history, prior claims patterns, and prior litigation activity.
Search for public information on David Ortega, claiming total disability from a back injury. He's 42, from Houston, TX, works as an HVAC technician.
Found: David Ortega, licensed HVAC contractor (Texas TDLR active), listed as co-owner on a second business (Ortega Remodeling LLC, formed 2 months post-claim). LinkedIn profile shows activity through claim period. Surfaced 3 prior personal injury claims across 2 carriers.
ToolRouter search_person
SourceFindingRelevance
TX TDLRHVAC contractor license — activeActive professional status during disability
TX SOSOrtega Remodeling LLC — co-owner (formed 2 months post-claim)Active business formed after injury
Prior claims3 prior PI claims across 2 carriersPattern of repeated claims
LinkedInProfile active through disability periodProfessional activity inconsistent with disability
Prior claims pattern + active business + professional license = SIU indicators
Social media activity monitoring
Search public social profiles and content for claimants whose activities appear inconsistent with their claimed disability or injury. Document contradictory evidence from public posts.
Search for public social media content from @kevin_outdoor_life on Instagram and TikTok. He is claiming he cannot walk without a cane due to a knee injury.
Found 14 public posts from the past 6 months: 3 TikTok videos showing hiking (most recent 3 weeks ago), 2 Instagram posts at a beach volleyball game, 1 Instagram story showing him on a ladder. All timestamped. Significant inconsistency with claimed mobility limitations.
ToolRouter get_posts
3 weeks ago
TikTok: Mountain hiking video — rugged terrain, no cane visible
6 weeks ago
Instagram: Beach volleyball game photo — jumping at net
9 weeks ago
Instagram Story: Standing on ladder — exterior home work
12 weeks ago
TikTok: Trail running video — 2+ miles logged
ToolRouter get_profile
Instagram followers
2,840 followers — public account
TikTok posts
47 posts — outdoor/fitness content since account creation
Post frequency
Active — 2–3 posts per week including during disability period
Content theme
90%+ outdoor physical activity — hiking, volleyball, construction
Contractor and vendor fraud screening
Investigate contractors, restoration companies, and medical providers involved in claims. Check licensing status, corporate records, regulatory actions, and fraud history.
Investigate Premium Restoration LLC, Miami, FL. They are appearing on multiple water damage claims and we suspect inflated invoicing.
Premium Restoration LLC: Florida contractor license suspended March 2025 for unlicensed subcontracting. 7 BBB complaints in 12 months (0 resolved). Named in 2 civil suits for breach of contract. DBPR enforcement action pending. Pattern consistent with organized claims fraud ring.
ToolRouter screen
DatabaseResultDetail
FL DBPR LicenseFlaggedContractor license suspended March 2025
BBBFlagged7 complaints in 12 months — 0 resolved
FL Circuit CourtsFlagged2 civil suits for breach of contract pending
DBPR enforcementFlaggedEnforcement action for unlicensed subcontracting pending
License suspended · multiple fraud indicators · network-wide flag recommended
ToolRouter search_actions
Mar 2025
FL DBPR: License suspended — unlicensed subcontracting violation
Jan 2025
DBPR investigation opened after 4th consumer complaint
Dec 2024
First breach of contract civil filing in Miami-Dade Circuit Court
Nov 2024
BBB complaint cluster — 3 complaints in 30 days
Property history and condition verification
Use satellite imagery and historical records to verify a property's pre-loss condition, establish timelines, and identify pre-existing damage or inconsistencies in claimed loss dates.
The insured claims their detached garage was destroyed in the March 2026 storm but existed for 10 years. Pull satellite history to confirm when the structure was built.
Satellite imagery analysis: 2018 view — no detached structure present. 2021 view — foundation visible but no complete structure. 2023 view — completed garage structure confirmed. Timeline supports insured's claim of long-standing structure. No pre-existing damage visible in 2025 imagery.
Organized fraud ring research
Research fraud schemes, staged accident rings, and organized fraud patterns in specific geographic areas or claim types. Build intelligence files on known fraud networks.
Research organized auto insurance fraud activity in the Detroit, MI metro area. Focus on staged accident rings and medical provider fraud schemes active in 2025–2026.
Identified 2 active fraud rings in Wayne County: "Gratiot Avenue Network" (staged accidents, 14 known participants, NICB referral 2025), and a separate medical billing fraud scheme at 3 clinics (FBI investigation referenced in local news). 4 related insurance fraud convictions in Q4 2025.
ToolRouter research
Gratiot Ave Network
Staged accident ring — 14 participants, NICB referral Q3 2025
Medical billing scheme
3 clinics under FBI investigation — billing for non-rendered services
Recent convictions
4 insurance fraud convictions in Wayne County Q4 2025
High-risk corridors
I-75 and I-94 interchange areas — highest staged accident frequency
Common pattern
Multiple-occupant rear-end + same clinic + same attorney on all claims
Weather and incident verification
Independently verify that reported weather events, fires, accidents, or other incidents occurred as claimed. Cross-reference claimant timeline against verifiable records.
Verify a hail event at 445 Oak St, Kansas City, MO on February 22, 2026. The claim was filed 6 weeks after the alleged event.
Weather check: No hail events recorded in Kansas City metro on February 22, 2026. Nearest hail event was February 28 (0.75 inch, 8 miles from address). 6-week delay in filing increases suspicion. Recommend SIU referral and recorded statement.
ToolRouter get_history
Hail on claimed date
None recorded in KC metro on February 22, 2026
Nearest hail event
February 28, 2026 — 0.75 inch hail, 8 miles from address
Filing delay
6 weeks between alleged event and claim filing
Weather stations checked
MCI Airport + 3 metro stations — all confirm no Feb 22 hail
Finding
Weather data does not support claimed loss date — SIU referral recommended
Ready-to-use prompts
Claimant public records search
Search for public information on a claimant named Patricia Nguyen, age 38, claiming she cannot work due to a shoulder injury. Last known address: Phoenix, AZ. Look for employment, social media, and prior litigation.
Social media content search
Find public posts and videos from Instagram and TikTok for username @riverbend_adventures. The account holder has a pending workers' comp claim for a wrist injury preventing manual work.
Contractor license verification
Check the license status, complaint history, and any regulatory actions for a roofing contractor named Sunrise Exteriors Inc. based in Orlando, FL.
Property satellite history
Pull satellite imagery history for 2200 Sunset Blvd, Las Vegas, NV 89102 going back 5 years. I need to verify whether a swimming pool existed before the claimed installation date.
Weather event verification
Confirm whether a severe wind event or tornado occurred within 5 miles of ZIP code 64108 in Kansas City, MO on January 18, 2026. Include wind speed data if available.
Fraud pattern research
Research known PIP fraud schemes and staged accident patterns in Broward County, Florida. Include information about any active law enforcement investigations or recent prosecutions.
Medical provider screening
Screen Advanced Spine & Injury Clinic LLC in Atlanta, GA against LEIE exclusion lists, state medical board actions, and any adverse media related to insurance fraud.
Prior claims research
Search for any prior insurance claims litigation, personal injury lawsuits, or bankruptcy filings involving Michael Torres, DOB 1981-06-22, Miami, FL.
Tools to power your best work
Web ArchiveHistorical snapshots of any website
Deep ResearchAI research reports with citations
Bios, followers & audience data
Posts & videos from 10+ platforms
Search creators, tags & posts
Address GeocodingAddresses to coordinates and back
Regulatory ActionsSEC, CFPB, FDIC & Federal Register
People SearchFind anyone across 500+ sites
165+ tools.
One conversation.
Everything insurance investigators need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
Initial SIU referral investigation
When a claim is referred to SIU, run a systematic first-pass investigation to identify key evidence and determine scope.
Contractor fraud investigation
Investigate a contractor or vendor appearing on multiple suspicious claims.
Disability claim verification
Build a documented evidence file for a suspicious disability or workers' compensation claim.
Frequently Asked Questions
Is it legal to use social media in insurance investigations?
Reviewing publicly available social media content is generally permissible in insurance investigations and is commonly used. You should only access public-facing content — do not attempt to access private profiles or use deceptive means. Always consult your company's legal team and your jurisdiction's guidelines for proper procedures.
How current is the social media data?
Social Media Content and Social Profiles retrieve publicly available posts in near real-time from platforms that allow API access. Availability depends on what the account holder has set to public. Historical content may be limited depending on the platform's retention and API policies.
Can these tools help document evidence for SIU referrals?
Yes. These tools are designed to support documentation workflows — results include timestamps, source URLs, and structured data that can be exported into an investigation file. Always supplement AI-gathered intelligence with proper investigative procedures and documentation standards.
What databases does People Search cover?
People Search aggregates data from public court records, professional license registries, social profiles, business registrations, and contact databases. Coverage varies by state and country. For FCRA-regulated decisions, consult your compliance team about appropriate use.
Can satellite imagery prove pre-existing damage?
Satellite imagery can establish a timeline showing property conditions before and after an event. It is useful for documenting what structures existed and their visible condition. Image dates and source should always be documented. This evidence should complement, not replace, physical inspection.
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Works in Chat, Cowork and Code