home” located on the New York shore
along with his flooded car floating down
the street during the storm. This information was passed along to the carrier’s SIU.
The SIU independently verified our findings and positively identified the insured
as a New York resident and homeowner.
His application for insurance, claim affidavit and claim documents contained
inaccurate and misleading information
regarding his residence and garaging address. As a result, the insured was later
charged criminally in Pennsylvania for
Some key information to take away
from this case:
are not adequate. Use pocket technol-
ogy to drill down, identify monikers,
investigate mobile-based social me-
dia, gather geo tags and build case
•;Geo;tagging;information;is;more;prev-alent and generally easier to find on
mobile-based social media sites.
• Social media investigations should
not be limited to injury and disability claims. They can be used for property claims, homeowner claims, theft
claims, auto claims and premium
desktop applications and will primarily use mobile applications or pocket
the complete investigation. Every aspect of the investigation must be verified before a claim decision is made.
•;These;investigations;are;often;more;ef-ficient and less costly than sending an
investigator out into the field.
Undeniably, the use of social media has
boomed in the last 10 years. In a matter
of minutes, social media can make some-
one famous, infamous but almost never
anonymous. As a result, investigations
are better and there is a new tool to add
to our bag of tricks. Inevitably, technol-
ogy changes and investigative processes
need to follow. Recognize that the shift
from the computer to mobile devices is
“on.” Embrace the “technology geek” or
consultant as part of the professional in-
vestigative staff. Don’t be afraid to make
the changes, train up, reduce expenses
and clear claims investigations more ef-
ficiently by taking advantage of pocket
Pierre Khoury is the CEO and founder of
forwardslashid.com. He spent 12 years as
a senior special investigator with several
regional and national insurance carriers.
He has investigated and defended
workers compensation claims, automobile,
disability, death and large loss property
claims across the nation. He can be
reached at firstname.lastname@example.org.
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