Independent investigative support for insurers, claims professionals, attorneys, businesses and other authorised clients requiring claim circumstances, statements, activities or evidence to be examined and documented before important claims decisions are made.
Insurance investigations are used when facts surrounding a claim require independent verification or further development. The purpose is not to presume fraud or to reach a predetermined outcome. It is to examine the circumstances objectively, identify information that can reasonably be verified, document relevant findings and provide the instructing client with a clearer factual basis for its own claims assessment.
Statements, timelines, locations, reported events and supporting information can be examined against independent enquiries and available evidence to identify what can be corroborated and what remains unresolved.
An unusual circumstance or inconsistency does not by itself prove dishonesty. Professional investigation distinguishes verified facts, conflicting information, observations and unanswered questions so that conclusions are not overstated.
The investigative approach depends on the type of claim, the information already available and the specific issues identified by the instructing client.
Interviews designed to establish detailed accounts, clarify circumstances and identify information requiring corroboration or further enquiry.
Comparing material aspects of reported events against other statements, records, observations and independently available information.
Examination and documentation of relevant locations and observable conditions where they may assist in understanding how a reported event occurred.
Lawful observation and documentation where a claimant's reported circumstances or activities require independent verification within an authorised investigative scope.
Relevant verification enquiries where identity, history, relationships or other information has a legitimate connection to the claim being investigated.
Organising reported events, statements, records and investigative findings into a chronology to identify consistencies, gaps and material conflicts.
Targeted investigation of specific inconsistencies or indicators identified during claims handling, without treating an indicator alone as proof of fraud.
Relevant visual material may be obtained during authorised scene enquiries or surveillance where circumstances permit.
Findings are organised into a professional report that identifies the work conducted, material information established and relevant limitations.
Statements from claimants, insureds, witnesses or other parties may differ on facts important to the assessment.
Independent enquiries may be needed to establish locations, activities, timing or other details surrounding the reported loss.
Additional persons may hold information relevant to how the incident occurred or to circumstances surrounding the claim.
A focused investigation can examine identified concerns while avoiding the assumption that an irregularity automatically establishes fraudulent conduct.
Where legally appropriate, surveillance may assist with documenting activities relevant to an authorised claim investigation.
The insurer or professional adviser may require further factual development before determining its next claims-handling step.
We review the referral, the claim circumstances, available information and the specific questions the instructing client requires investigated.
The assignment is defined around relevant issues, appropriate investigative methods, available information and practical or legal limitations.
Interviews, enquiries, surveillance, scene work or other authorised tasks are conducted according to the agreed scope.
Findings are compared with the available claim information to identify corroboration, material inconsistencies and unresolved issues.
The investigation is documented for the instructing client, with relevant supporting material supplied in the agreed format.
Independent investigation of referred claims requiring additional verification, interviews, surveillance or factual development.
Focused investigative assistance for handlers and managers dealing with unresolved or complex factual issues.
Investigative support where the adjustment process identifies circumstances requiring enquiries beyond the ordinary assessment.
Claims-related investigative work where a matter has entered, or may enter, a legal or dispute process.
Independent fact-finding concerning incidents, losses or claims affecting an organisation.
Defined investigative assignments for professionals with a legitimate role in assessing or managing an insurance matter.
A focused referral allows the investigation to address the actual claims issues rather than duplicate work already completed by the insurer or claims professional.
Only information relevant to the assignment should be provided. Sensitive claim material should be transferred using an appropriate method agreed for the engagement rather than unnecessarily included in an initial website enquiry.
A structured account of the investigative work undertaken and the material findings developed during the assignment.
Relevant accounts obtained during authorised interviews, provided in the format appropriate to the assignment.
Visual documentation obtained lawfully during surveillance, scene enquiries or other investigative activity where applicable.
Important events and information can be organised to help the claims professional understand the sequence and significance of the findings.
Six Paths investigates and reports factual findings. The instructing insurer or authorised claims professional remains responsible for policy interpretation, coverage, liability, settlement and other claims decisions.
Investigation is not undertaken to manufacture evidence or justify a predetermined outcome. Material information that supports, contradicts or qualifies the original concern should be reported accurately, together with relevant limitations.
No. An investigation may be required simply because information is incomplete, conflicting or needs independent verification. A concern or indicator should not be treated as proof of fraud.
Yes, interviews and statement-related enquiries can form part of an agreed investigation where they are relevant to the issues being examined.
Where surveillance is lawful, proportionate and relevant to the authorised investigative purpose, it may form part of the assignment.
No. Insurance investigation can also be used to locate witnesses, clarify circumstances, verify statements, document scenes or develop facts required for ordinary claims assessment.
No. Six Paths provides investigative findings. Coverage, liability, settlement and other claims decisions remain with the insurer or other authorised decision-maker.
The content depends on the assignment but may include the scope, enquiries undertaken, relevant interviews or observations, chronology, supporting material, findings and material limitations.
Yes. The investigative scope can be coordinated with the insurer's authorised claims professionals, loss adjuster or legal team where appropriate.
Provide the claim reference, a concise summary, the specific questions requiring investigation, relevant party information, available supporting material and any important deadline.
Speak with Six Paths about the claim circumstances and the issues that require verification. We can assess the investigative requirement, define the appropriate scope and explain the next step.