Insurance Investigator Miami, FL
Grey Ghost Investigations
- No Mileage Fees
- No Administrative Fees
- Flat Rates
- Licensed Since 2008
- Free Phone Consultations
- Hablamos Espanol!








Professional Insurance Investigator in Miami
Trusted Insurance Investigator in Miami, Coral Gables, Pinecrest, Palmetto Bay, South Miami, and surrounding areas.
Experienced Insurance Investigation Support for Complex Claims
Insurance fraud can take many forms, from exaggerated injuries to completely fraudulent claims. As expert insurance investigators in Miami, we use surveillance, activity checks, and field background work to document inconsistencies and verify claim legitimacy. We support defense-side cases by gathering clear, court-ready evidence that helps insurance representatives and legal teams make informed decisions while reducing exposure to fraudulent losses.
Credentials & Recognition:
Florida Agency License: A2700431 (licensed & insured; Chapter 493 compliant)
BBB Accredited (since 10/23/2023; SE Florida & the Caribbean)
Founded 2008 (LLC incorporated 2013)
Owner: Ana-Maria Ionita — former Florida Dept. of Corrections Probation Officer; B.A. in Criminal Justice (Minor in Psychology)
Memberships: FALI, Florida Association of Private Investigators, Miami-Dade Chamber of Commerce
The Importance of Insurance Investigations in Miami, FL

Insurance fraud continues to impact carriers and policyholders across Florida, and Miami remains one of the state’s most active regions for questionable claims. Industry reports estimate billions of dollars are lost annually nationwide due to insurance fraud, with Florida consistently ranking among the highest states for reported fraudulent claims, including workers’ compensation fraud and staged loss cases. As an experienced insurance investigator in Miami, FL, Grey Ghost – Private Investigator Miami focuses on gathering factual, field-based evidence that helps insurance representatives evaluate claims accurately and reduce exposure to fraudulent claims.
Professional investigation matters because assumptions alone do not resolve disputes; documented activity does. Insurance fraud investigations in Miami demand lawful surveillance, accurate reporting, and strict attention to detail. Here at Grey Ghost – Private Investigator Miami, we work alongside defense attorneys and insurance company fraud investigator teams to objectively document claimant behavior in real-world settings.
Why Trust Us for Insurance Investigation
✅ Fully licensed and insured Florida agency
✅ Flat-Rate Pricing, No Hidden Fees
✅ Extensive Insurance Fraud Investigation Experience
✅ Free phone consultations for new inquiries
✅ Specialized in detailed surveillance operations
✅ Defense-Side Investigations for Insurance Cases
✅ Detailed, Court-Ready Investigative Reporting
✅ Discreet, Professional, and Reliable
✅ Fast Turnaround on Surveillance Assignments

Our Corporate Investigation Services
We dedicate our work to the investigative services where experience, patience, and precise observation matter most.
Surveillance & Tracking
We conduct discreet surveillance operations across Miami, from Brickell high-rises to South Beach, documenting activity, verifying claims, and gathering visual evidence without detection.
Benefits:
- High-quality photo and video documentation
- Detailed activity logs and observations
- Discreet monitoring in public settings
Background Checks
Our Miami background investigations uncover relevant personal, professional, and history details, helping clients make informed decisions in a fast-paced metropolitan environment.
Benefits:
- Identity and history verification
- Civil and public record searches
- Discreet and compliant information gathering
Infidelity Investigations
We handle sensitive relationship concerns throughout Miami with professionalism, providing discreet surveillance and clear documentation from Coral Gables neighborhoods to downtown districts.
Benefits:
- Covert observation and evidence collection
- Confidential communication throughout the case
- Clear, organized investigative reporting
Corporate Investigations
We assist Miami businesses, from Doral offices to Brickell financial firms, addressing misconduct, fraud, and internal concerns through discreet, professional evidence collection.
Benefits:
- Internal theft and fraud monitoring
- Employee misconduct documentation
- Evidence suitable for legal review
Child Custody Investigations
We document parenting conduct and daily environments across Miami communities, providing objective, court-relevant information regarding supervision, routines, and overall child welfare concerns.
Benefits:
- Observation of parenting interactions
- Documentation of living conditions
- Discreet evidence collection methods
Insurance Fraud & Claims Investigations
We support Miami insurance investigations by documenting claimant activity in public and private settings, identifying inconsistencies connected to suspected fraudulent claims.
Benefits:
- Claim activity surveillance
- Injury and activity verification
- Detailed reporting for defense cases
Tenant Background Checks
We conduct tenant background checks for Miami property owners, reviewing applicant history and records to reduce leasing risks in competitive rental markets and protect investments.
- Rental and eviction history review
- Identity and record verification
- Discreet information collection processes
Pricing
Service Category | Professional Rates |
Surveillance | $111 hour per investigator (minimum 4 hours per attempt) |
Executive Background Screening | $175 comprehensive report |
Database Research | $100 standard searches |
In-Person Consultations | $100 per hour |
Note: Get 10% off any background check service when you book online.
Payment Methods: We accept credit cards, PayPal, Zelle, Venmo, Cash App, Western Union, and Moneygram.
Why Insurance Professionals Choose Us
Insurance fraud cases require detailed observation, lawful evidence collection, and reporting that stands up to scrutiny. In a complex environment, claims cannot be evaluated on statements alone; they require documented activity and professional fieldwork. That’s where Grey Ghost – Private Investigator Miami makes a difference. We handle insurance fraud investigations with a focus on defense-side support, working alongside attorneys and insurance representatives. Our work often involves suspected workers’ compensation fraud, health insurance fraud, life insurance fraud, and other fraudulent claims where real-world behavior must be verified. We document facts objectively, providing organized evidence that helps insurance company fraud investigators in Miami make informed decisions.
Clients also choose us for predictable pricing and efficient case handling. We use flat rates without mileage or travel add-ons, which helps control investigation costs. As the Miami private investigator for insurance companies, we deliver timely updates, discreet surveillance, and clear reporting that support cases from start to finish.
How We Conduct Insurance Fraud Investigations in Miami
Effective insurance fraud investigations require planning, discretion, and clear documentation. Our approach includes:
Initial Consultation: We analyze claim details, reported injuries, and known timelines to understand potential inconsistencies and investigative priorities.
Strategic Surveillance Planning: We evaluate locations, routines, and risk factors to position our insurance fraud investigator in Miami for effective coverage.
Discreet Field Operations: We conduct lawful surveillance to document physical activity, employment behavior, or other evidence tied to fraudulent claims.
Comprehensive Reporting: We provide organized summaries, timestamped images, and video documentation supporting insurance defense review.
This structured process allows Grey Ghost – Private Investigator Miami to deliver reliable findings that strengthen private investigator insurance defense-related cases.
Amazing teamwork from the PI’s that work here!! Really Great work, guys! With your help, I got the answers I needed (and then some). I will recommend your private investigation agency to anyone I know needing your services in South Florida. Thanks!! Christina C.
I reached out to Grey Ghost Investigations in Fort Lauderdale about a private matter. They handled my issue discreetly and with complete understanding and kindness.
I ordered a background check report on their site and they sent it to me right away. I'm very happy that the information was accurate and I was able to find out what I was looking for.
These Fort Lauderdale private investigators have helped me with 2 separate situations and they did a great job both times. I'm so glad I found them
I highly recommend Grey Ghost. They did an investigation for me and I was very pleased with the results. I will recommend them to everyone I know.
Me hacia falta un detective privado y este negocio me ayudo bastante.
The investigator who was in charge of my case was prompt, professional and kind. I highly recommend this company.
Best Fort Lauderdale investigators! They really helped me out when I was in a tough spot. Ana, the owner, was super helpful, kind and an expert in private investigations. I hope I don't need them again, lol, but if anything comes up, I'll use them again.
When my “trust issues” started causing problems in my relationship, I called these Fort Lauderdale private investigators —and wow, they delivered! They were fast to respond, kind and affordable. As far as outcome - let's just say that I am now single and happy 🙌. Thanks Grey Ghost! You're the best.
I hired these Fort Lauderdale private investigators to assist me with a personal matter which was very stressful. They got right to work and had answers for me within 24 hours. They were great to deal with and I recommend them wholeheartedly.
This private investigation agency does all of our tenant screening reports. I love that I can order the reports through their site. I usually get the background checks back within an hour. All the information is accurate and up to date. Thanks Grey Ghost, you're the best!
Long story short: my dog was dog-napped by a very dramatic family member (you can’t make this stuff up). I was heartbroken and had no idea where he was taken. Enter the heroes at Grey Ghost in Fort Lauderdale. They did surveillance (yes, like a real-life spy movie) and actually found my dog! I’m talking secret photos, tailing cars, and everything short of a Mission: Impossible soundtrack. If you ever need a private investigator in Fort Lauderdale, especially for something as wild and emotional as a missing pup, these are your people. I got my dog back — and some serious closure.
I own several businesses in Fort Lauderdale and these investigators have helped me out numerous times. I can always count on them to give me timely and accurate results. No one else comes close to their level of professionalism and expertise.
RESULTS, RESULTS, RESULTS! This firm is as professional as it gets! Follow their instructions to the letter & you’ll get timely feedback on your case. I promise!
I highly recommend Gray Ghost investigation services. They are highly professional on point, white on rice, totally in control. I will be recommending your agency to anyone looking for a great private investigator
Not my first rodeo with this outfit, but certainly appreciated the results. It's amazing what a little bit of professionalism and a whole lot of honesty can get one through a rough patch in life. These Fort Lauderdale Private Investigator really helped me out.
i've been around the block when it comes to PIs and situations in which a PI would be necessary, so I know a few things regarding who is offering a good service and who isn't. i've worked with them twice already and each time they do not disappoint. thorough, experienced and professional, they answer all your questions with compassion and patience as well as do a detailed job when hired. i fully recommend them to anyone in need of an investigator.
Grey ghost investigations are the best investigators you will find. Their expertise is top notch & they have excellent communication skills. They’ll provide the answers you’re looking for. Definitely check them out you will be glad you did!
I have worked with two other investigators, and this team was by far the best investigators i have ever worked with!! I even had them watch over another investigator who was doing a poor job. They were very professional, timely, accurate, thorough with assessments and up-close video recordings, my videos and reports were uploaded almost immediately, and the follow up was immediate and it showed how much they cared about my case. They are so familiar with the South East Florida region. I highly recommend them and would definitely hire them again!!
Great service and good price. He Has so much knowledge and knows what he’s doing. I recommend grey ghost to anybody that’s looking for the pros
They are thoroughly professional, and amazing I highly recommend their services.
I was looking for a private investigator in Fort Lauderdale to do some surveillance for me on a tenant that I have over there. The Grey Ghost team took my call on a Sunday at 7pm and by 9pm, they already started the surveillance. They gave me all the information I needed by the end of the night. I will definitely hire them again if I need them in the future. Highly recommend them!
Frequently Asked Questions
We recommend bringing us in as soon as a claim shows inconsistencies, suspicious injury reports, or activity that doesn’t match filed statements. Here at Grey Ghost – Private Investigator Miami, we step in early to document behavior, preserve evidence, and support insurance fraud investigations in Miami before details are lost.
Yes, Grey Ghost – Private Investigator Miami plays a key role in insurance fraud investigations. We conduct surveillance, activity checks, and background fieldwork to verify facts. We gather objective documentation that helps insurance representatives and defense attorneys evaluate fraudulent claims, including health insurance fraud and workers’ compensation fraud.
We often see red flags like exaggerated injuries, claimants performing physical tasks they reported being unable to do, conflicting medical timelines, or undeclared work activity. During insurance fraud investigations, an insurance investigator in Miami documents real-world behavior that may point to life insurance fraud or other fraudulent claims.
We suggest looking for licensed professionals with surveillance experience and clear reporting practices. We focus on defense-side investigations, flat-rate pricing, and detailed evidence collection, making us a reliable choice for private investigator insurance cases.