Independent, human-led investigative analysis for claims that require deeper examination.

We verify material facts, evaluate evidence in context, and help claims and SIU teams understand what the evidence actually supports

INDEPENDENT INVESTIGATIVE ANALYSIS

Fraud Indicator Analysis

Human-led investigative analysis of claims showing red flags, inconsistencies, or investigative questions.
When indicators exist, we determine what they mean in the context of the complete claim

Specialized analysis for travel, medical abroad, trip cancellation, interruption, and baggage claims.

Focused analysis of travel claims when documentation, chronology, or supporting evidence warrant closer examination

Travel Claim Analysis

An objective evaluation of how a claim was investigated and documented.

We identify strengths, gaps, and area that require reinforcement to help ensure the file can withstand internal review, regulatory scrutiny, or legal challenge

Claim Defensibility Analysis

Focused Investigative Analysis where it Matters

OUR CORE SERVICES

Fraud Indicator AnalysisFraud Indicator Analysis
Travel Claim ReviewTravel Claim Review
Claim Defensibility AnalysisClaim Defensibility Analysis

The question is not whether documentation exists. The questions is whether the totality of the evidence supports the reported event.

We work alongside existing claims operations, SIU teams and investigative technologies, providing independent analysis without requiring software implementation or system integration.

Technology can strengthen the investigation, human judgement governs the analysis

Who We Serve

Independent Clarity for every investigative need.

Insurance Carriers:

SIU and claim teams needing structured review when documentation, indicators, or circumstances require deeper clarity

TPA

High-volume or complex claim environments that benefit from external investigative support.

MGA & Brokers

Specialized reviews to protect program integrity.

Attorney & Coverage Counsel

Defensible, evidence-led records before taking legal positions.

Employers and entities requiring independent review of incidents, documentation, and claim circumstances.

Self-insured organizations

Insurance Carriers
Insurance Carriers
Third Party Administrator
Third Party Administrator
Brokers
Brokers
Attorney & defense counsel
Attorney & defense counsel
Self-insured organization
Self-insured organization

When additional analysis may be needed

Common examples include:

  • Questionable documentation

  • Travel claims involving cancellation, interruption, medical abroad, or baggage loss

  • Material questions remain unresolved

  • Reported circumstances conflict with available evidence or timeline date.

  • International verification challenge

  • Internal investigative capability constraints

  • Claims requiring enhanced defensibility before significant decisions are made

Not every claim requires independent review. CAG is engaged when documentation, chronology, claim circumstances, or available evidence raise questions that warrant closer examination.

WHEN TO ENGAGE CAG

Evidence leads the investigation

Every CAG assignment follows a disciplined analytical process designed to distinguish what is reported, establish what can be verified, and clearly document what the evidence supports.

Review the file, Understand the file
Review the file, Understand the file

Review

Verify the evidence
Verify the evidence
Analyze the file
Analyze the file
Document the reasoning
Document the reasoning
Clarify the information
Clarify the information

Verify

Document

Clarify

Analyze

Understand the complete file

Establish material facts through appropriate independent sources and verification methods

Evaluate evidence, inconsistencies and unresolved information collectively.

Clearly separate established facts from analytical observations.

Deliver concise findings showing what the evidence supports

"Plausibility is not verification. Suspicion is not evidence".

OUR METHODOLOGY

CAG operates outside client systems and internal workflows. No software implementation required

CAG evaluate the evidence without ownership of the underlying claim decision

CAG does not adjust claims or make coverage decisions. The client retains 100% authority over all final decisions.

Independent Perspective

Carrier Control

No system Integration

1

2

3

Designed to complement your existing operation

Carrier control the claim
Carrier control the claim
Independent Perspective
Independent Perspective
No system Access
No system Access

THE CAG DIFFERENCE

Have a Claim That Warrants a Closer Look?

When a claim presents unresolved questions, documentation concerns, fraud indicators, or required additional analytical rigor, CAG can provide an independent assessment.

Tel: 713-487-7297

Email: contact@claimanalysisgroup.com

Address: 11811 North Freeway, Suite 222, Houston, TX 77060

© 2026 Claim Analysis Group, LLC. All Rights Reserved.

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