Most insurance claims are genuine. Where a claim presents material inconsistencies or recognised fraud indicators, independent research can help test the factual account, identify connected parties and develop chronology before a decision is made about deeper investigation.
The most useful claims enquiries start with a defined inconsistency or hypothesis and test it proportionately through chronology, corporate links, open-source material and corroborating public information.
Claims intelligence should answer specific questions
A useful instruction is not simply to search for adverse information. It may ask whether businesses are connected, whether an event chronology is consistent, whether a claimant's public account conflicts with other evidence, or whether a supplier or third party has a relevant history.
Areas where Carratu International may assist
- Corporate and trading history of claimants, suppliers or related businesses.
- Director, ownership and connected-party relationships.
- Open-source chronology around a reported event.
- Identity and online-profile consistency.
- Publicly available information relevant to exaggeration, misrepresentation or collusion concerns.
- Fraud indicators requiring independent corroboration.
Open-source material needs context
A social post, company filing or online photograph should not be interpreted in isolation. Identity, date, source reliability and relevance to the claim all matter. Research is therefore designed to corroborate rather than simply collect potentially prejudicial material.
Privacy and proportionality
Insurance investigations operate within data-protection and professional constraints. Carratu International confines enquiries to a defined purpose and relevant information, recognising that public accessibility does not remove the need for compliant handling of personal data.
Outputs for claims and legal teams
Findings can be delivered as a concise intelligence note, relationship map or chronology, with source references, coverage and confidence clearly recorded. The aim is to help the client decide whether the concern is resolved, requires specialist investigation or should proceed through normal claims handling.
Review a claim-related concern
Send the core facts, relevant parties and the inconsistency or risk indicator that needs testing. We can define a focused enquiry around that question.
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