Getting the Truth Behind Suspicious Claims
We work with insurance carriers, adjusters, third-party administrators, and self-insured companies across Southern Indiana and the rest of the state to investigate staged accidents, exaggerated injuries, and inflated or falsified property damage claims.
A claim usually lands on our desk when something does not fit: injuries that seem out of proportion to the accident, a claimant who is hard to reach, inconsistent statements, a loss reported right after coverage started, or a tip from a neighbor or coworker. We do not start from the assumption that a claim is fraudulent. We document what is true.
Sub-rosa Surveillance
Documenting claimant activity from public places to compare it with reported restrictions.
Claim Investigation
Investigating the circumstances of a claim, interviewing witnesses, and reviewing police reports and records available to the claim file.
Alive & Well Checks
In-person verification of a claimant's status, residence, and living situation.
How We Handle an Insurance Claim
Step 1
Free consultation and file review
We review the claim number, the reported injuries or loss, restrictions, known addresses and vehicles, and any schedule details such as appointments.
Step 2
Background and records
From Indiana we run background, prior claims indicators available to us, court, and public-record research on the claimant and the loss.
Step 3
Targeted fieldwork
We recommend specific days and hours for surveillance or an activity check in Indiana, rather than open-ended time, and interview witnesses where useful.
Step 4
Report for the claim file
Each day of work produces a written report with times, locations, and plain descriptions, along with the original timestamped video.
What You Receive
Daily chronological reports, original timestamped video and photographs, witness interview summaries, and a closing summary. Reports keep observation separate from opinion, and when nothing relevant happens the report says so, because a quiet day is also information for your file.
What's Legal in Indiana
Private investigator firms in Indiana are licensed under Indiana Code IC 25-30 by the Private Investigator and Security Guard Licensing Board. Our license is PI22500020, and you can confirm it on the Indiana license search. Surveillance is lawful in Indiana when done from public places or where the investigator is lawfully present. We do not trespass, record private conversations (IC 35-33.5), or place trackers on a claimant's vehicle (IC 35-46-8.5-1).
We never pretext medical providers or obtain protected health or financial records without authorization. Insurers that suspect fraud can also refer it to the Indiana Department of Insurance; our reports are written so they can support that referral if you choose to make one.
Who It's For
Insurance carriers and SIU teams, independent and staff adjusters, third-party administrators, self-insured employers, and defense attorneys handling liability, disability, and property claims. See also our overview of surveillance for attorneys and insurance claims.
See every town we list for Insurance Fraud
Related services: Personal injury investigations · ADA claim investigations · Attorney services · Background checks · Surveillance for attorneys and insurance claims
Service areas: New Albany · Jeffersonville · Bloomington · Columbus · Indianapolis · Evansville · Private investigator in Southern Indiana · All service areas
Frequently Asked Questions
Is insurance surveillance legal in Indiana?
Yes, when it is done from public places or places the investigator is lawfully allowed to be. We do not trespass, wiretap, or record private conversations.
How many days of surveillance does a claim need?
It depends on the question. Some files need one well-timed day around a known appointment; others need several days. We recommend a window during the free consultation.
Do you handle claims outside Indiana?
Records research can be done from our Indiana office for claims anywhere. Surveillance and in-person checks happen in Indiana, where our license applies.
Will the report prove the claim is fraudulent?
No investigator can promise a result. We report exactly what was observed and found, and the claim decision stays with you.
Discuss a Claim
Send us the claim details, the addresses, and the dates that matter. Start with a free consultation. We'll give you a quote on that call once we understand what you need.
Cheshire Investigation Agency is licensed in Indiana (Private Investigator License #PI22500020), headquartered in Greenville, Indiana (Floyd County), and a member of INspi and NCISS. Call (812) 364-1466.