Field Note
When Surveillance Makes Sense - And When It Doesn't
Define the objective, identify what needs to be proven, and avoid surveillance without purpose.
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Claims · SIU · Fraud · Investigations · AI
Better investigations begin with better questions.
Investigation strategy, fraud intelligence, professional education, and emerging technology for insurance professionals.
The Platform
Built around the decisions insurance professionals actually make.
Claims Field Guide connects investigative strategy, premium fraud intelligence, practical education, and responsible AI into one independent resource.
Claims Investigations
From referral to evidence.
Surveillance, AOE/COE, statements, subrogation & third-party liability, SIU, report quality, and investigative sequencing.
Explore investigations →Premium Fraud Intelligence
$25B+industry estimate of annual U.S. workers' comp premium fraud
Understand the signals behind payroll suppression, misclassification, hidden operations, shell entities, and x-mod evasion.
Explore premium fraud →AI & Claims Intelligence
Human judgment, amplified.
Practical AI workflows for adjusters and investigators—built around verification, privacy, and professional accountability.
Explore AI →Training & Education
Learn the why behind the work.
Self-guided learning paths, downloadable field tools, and scenario-based education for claims, SIU, underwriting, and leadership.
Enter Learning Center →Featured Field Notes
Useful on a live claim.
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AOE / COE
Start With the Questions You Need Answered
A structured approach to disputed facts, witness development, interview sequencing, and corroboration.
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Investigation Strategy
Start With the Question, Not the Service
Let the claim issue drive the investigative plan. The right question leads to the right evidence.
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Premium Fraud Intelligence
The exposure can start long before the claim.
Payroll suppression, employee misclassification, unreported operations, shell entities, cash payroll, and experience-modification evasion can distort risk before a loss ever reaches the adjuster's desk.
$5.9Mestimated premium loss in a 2026 California towing-company case
$21Mpayroll underreporting identified in a 2025 California delivery-company case
Evidence firstIndicators should drive questions—not conclusions.
Adjuster Toolkit
Practical tools you can use today.
Surveillance Referral Checklist
Define the question, timing, operational readiness, and whether another investigative step should come first.
DOWNLOAD PDF ↓AOE / COE Investigation Planner
Structure disputed facts, sources, interview sequencing, and corroboration before the assignment starts.
DOWNLOAD PDF ↓Recorded Statement Preparation Guide
Prepare stronger, more focused interviews and identify information gaps before the statement.
Download PDF ↓Investigation Report Review Checklist
Evaluate reports for timeliness, quality, objectivity, completeness, and investigative value.
Download PDF ↓Subrogation Investigation Checklist
Identify and develop third-party liability opportunities and evidence-preservation needs.
Download PDF ↓Premium Fraud Evidence Checklist
Map indicators to independent sources, materiality, corroboration, and unresolved questions.
Download PDF ↓in
From the FieldFollow the Work, Not Just the Worker.Activity patterns, job sites, business connections, and work-related locations can create stronger investigative questions than assumptions about what a claimant "should" be doing.
Read Field Note →CFG LABS
Insurance intelligence, built to be used.
CFG Labs is the experimental layer of Claims Field Guide—where AI, decision support, and investigative workflow tools move from concept to practical application.
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From the Field
Michael LoMonaco
Claims and investigations professional focused on turning investigative questions into objective evidence and practical decisions.
About Michael →⌁
Research & Intelligence
Scout
The research, analysis, and information-organization component of Claims Field Guide, supporting human editorial judgment and better investigative decision-making.
Scout Research →CFG
About the Guide
Independent. Practical. Vendor-neutral.
Claims Field Guide teaches investigative strategy. It does not steer users to a particular investigation company or vendor.
Mission & approach →