Investigative Reports
Some Claims Require Your Full Attention
AI-powered investigations backed by human-verified evidence and courtroom-ready results.
Carpe Data Investigative Reports give P&C carriers a complete view of a claimant's online presence to detect fraud, support SIU investigations, and stand up in court, faster than a private investigator, more thorough than a name search, and priced so you only pay full freight when we find something.
Online Investigations Built for Modern Claims
Most online investigative services still operate the way they did a decade ago: static snapshots, slow turnarounds, no ongoing visibility, and the same price whether a report returns critical evidence or nothing at all. Meanwhile, attorney-driven inflation pushes severity higher, nuclear verdicts grow year over year, and 35% of online evidence disappears within months if not captured early.
Investigative Reports close that gap by combining AI-powered discovery with expert human analysis, surfacing material evidence, social connections, and suspicious activity across a subject's full online presence at a fraction of the cost of traditional services. Every report is verified for identity, source-linked, and delivered with a documented chain of custody that holds up in court.
Why SIU and Claims Teams Choose Carpe
Three reasons SIU directors, claims leaders, and defense counsel pick Carpe for online investigations. Tap a tile for the detail.
Right-Sized Reports for Every Claim
Investigation depth matched to claim risk. Pricing matched to value returned.
Not every claim needs the same depth of investigation, so Investigative Reports can be tailored on a claim-by-claim basis, with high-cost investigations reserved for high-value cases while routine claims get a lighter, faster check, delivering better outcomes and lower overall investigative spend.
Good
Investigative Snapshot
Designed For
Simple claims that need quick validation
What You Get
AI scan and review with rapid delivery. Confirms or clears a low-complexity referral.
Turnaround
~1 day
Better
Investigative Reports
Designed For
Moderate damages and general SIU work
What You Get
Human-reviewed deeper research. The standard product for a thorough look at a subject's online presence, content, and context.
Turnaround
2-3 days
Best
Investigative Reports Pro+
Designed For
Complex or fraud-prone claims
What You Get
Analyst deep-dive with premium data sources, optional continuous monitoring, and custom requests. Built for high-exposure, litigated, or suspected organized fraud cases.
Turnaround
3-4 days
Pricing Guarantee
No Hit, No Full Charge
If a report doesn't surface meaningful findings, you pay a discounted rate. The guarantee applies across all three tiers, so SIU teams can run more investigations on borderline claims without the cost pressure traditional vendors create.
Reports can be selected manually by your investigators, or matched automatically using carrier-defined business rules based on policy limits, investigation type, and litigation status. That keeps ordering consistent and cost-optimized at scale.
How Carpe Data Compares to Other Online Vendors and Private Investigators
| Report Feature | Carpe Data | Other Online Vendors | Private Investigators |
|---|---|---|---|
| Turnaround time | 3 days, no extra fees | 4-20 days + expedite fees | 4-20 days + expedite fees |
| Identity accuracy | >98% | ~85-90% | Varies |
| Human verified | Yes | Varies | Varies |
| Courtroom ready | Yes | Varies | Varies |
| Online social content | Yes | Yes | Extra cost |
| Data capture length | 6 months+ | 60 days | Few days |
| Proprietary data | Yes | No | No |
| Online connections | Yes | No | No |
| Ongoing monitoring | Yes | No | No |
| Discounted "no hits" | 50% discounted | No | No |
In the News
$500K
Recovered, single claim
Top 10 insurer recovers $500K in loss costs from a single claim
Evidence-based alerts surfaced the activity that turned a paying claim into a closed file.
Testimonials
What Carriers Say About Carpe.
“Allstate is always searching for better ways to leverage the power of data to improve our claim process… Carpe Data helps support Allstate’s ongoing efforts to seamlessly integrate data to help our people make the best, most accurate and timely decisions.”
Glenn Shapiro · Allstate
President, Personal Property-Liability
“By integrating new data elements from Carpe Data into our insurance programs for small businesses, we can better understand the challenges faced by business owners and identify options to address their commercial insurance needs.”
Sharon Fernandez · Farmers Insurance
President of Business Insurance
“Carpe Data is the latest addition to Zurich’s ongoing innovation programs focused on transforming the future of insurance…[Carpe Data] supports Zurich’s ongoing efforts to improve the claimant experience by expediting low-risk claims, and by providing new insights to help our people make informed, accurate, and timely decisions.”
Scott Clayton · Zurich Insurance Company Ltd
Head of Claims Fraud, UK
“Carpe Data has been a great partner in helping us strengthen the claims handling process…Online Injury Alerts helps [us] continue to meet our goals of increased efficiency, reduced potential fraud and improved customer experiences.”
Douglas L. Kratzer · The Hanover Insurance Group
Vice President, Claims
What's Standard. What's Extra.
Core Features Included in Every Report
Results in 3 Days or Less
No expedite fees. No extra charges for speed.
Validated, Insurance-Relevant Alerts
Every finding screened for claims relevance by trained analysts.
Content Capture: Date of Loss to Order Date
6+ months of history captured and preserved with timestamps.
Human-in-the-Loop Verification
>98% identity accuracy. Every report reviewed before delivery.
Courtroom-Ready Documentation
Screenshots, source links, and chain of custody in every report.
Value-Added Services Available As Add-Ons
Continuous Monitoring
Ongoing surveillance after the initial report, surfacing new evidence as it appears.
Related Parties Search
Map connections between the subject and up to four additional persons of interest, including provider and attorney networks.
Social Network Analysis
Friends lists and online connections to identify rings, associates, and patterns.
Proprietary Carpe Enriched Data
Additional context from Carpe Data's people datastore for deeper identity and connection resolution.
Secure Internet Browser
View the web safely without exposing your team to sensitive content or leaving a digital footprint.
Common Questions About Investigative Reports
Answers to the questions SIU teams, claims directors, and defense counsel ask most often about online investigations, evidence preservation, and pricing.
What is an investigative report in insurance claims?+
An investigative report compiles publicly available online evidence about a claimant, social media posts, photos, videos, work history, business affiliations, and online connections, into a single dossier used to support claims decisions, fraud detection, and litigation. Carpe Data Investigative Reports combine AI-powered discovery with human analyst review and deliver every finding with original source links, timestamps, and a documented chain of custody.
How do online investigations help detect insurance fraud?+
Online investigations surface evidence that contradicts the claimed injury, loss, or business activity. A claimant who reports they cannot work, lift, or walk but is publicly posting videos of physical activity is the most common pattern. Investigative Reports screen a subject’s full online footprint for these contradictions, plus indicators of organized fraud rings (shared providers, repeat attorneys, connected claimants) that single-claim reviews miss.
What is the turnaround time for an investigative report?+
Standard Investigative Reports are delivered in 2-3 days, while the lighter Investigative Snapshot returns in about 1 day and Investigative Reports Pro+, the deep-dive tier built for high-exposure or litigated cases, takes 3-4 days, with no expedite fees on any tier.
What does "no hit, no full charge" mean?+
If a report doesn't surface meaningful findings on a subject, you pay a discounted rate instead of the full report price. The model exists because traditional online investigation vendors and private investigators charge full price regardless of outcome, which forces SIU teams to ration referrals. With no-hit pricing, carriers can order more investigations on borderline claims without the same cost pressure.
Are Investigative Reports admissible in court?+
Yes, every report is built to evidentiary standards, with findings that include the original source URL, capture timestamp, screenshots, and a documented chain of custody from capture through delivery. Carpe Data analysts review every report for identity accuracy (>98% verified) and relevance before it ships, so defense counsel can use the report directly in deposition and trial preparation.
How is Carpe Data different from a private investigator or other online investigation vendor?+
Private investigators are expensive, slow (often 2-3 weeks), and rarely capture social and online connections at scale. Other online vendors typically deliver a static snapshot with 60-day capture windows, no human review, and no monitoring. Carpe Data combines AI-powered discovery, human analyst verification, 6+ months of content capture, proprietary connection data, optional continuous monitoring, and no-hit pricing, in one product, in 3 days, with no expedite fees.
See What Online Evidence Your Next Claim Is Hiding
Whether you're trying to harden SIU workflows, support defense counsel on a litigated file, or just bring more rigor and consistency to online investigations across your claims operation, our investigations team can walk you through sample reports for your loss types and show you what Investigative Reports surface that other online evidence vendors and private investigators miss.