When a Claim Doesn't Add Up, You Need Someone Who Can Prove It.
Most Insurance professionals don’t call a private investigator because things are routine. A claim lands on your desk and something about it is off. The reported injury doesn’t match the activity level. The timeline has gaps. The documentation exists but the story behind it doesn’t hold together. Whatever brought you here, you already know what you need. You need an investigator who understands how insurance claims actually work and can deliver documented, defensible findings that support the decision your team needs to make. That’s what we’ve done for Insurance carriers, adjusters, and SIU teams.
Closed Cases
Years of Experience
Client Satisfaction
Case Studies
Real Cases. Real Evidence. Real Outcomes
This is where we share what’s going on with the firm. If you’ve followed our work, this is the place to keep up with it. If you’re new here,
Why Insurance Professionals Trust Our Firm
Here’s the honest truth. Most insurance carriers and adjusters who call us for the first time do it because a claim is already in process and the activity documentation just isn’t there yet. A workers’ comp claimant whose reported limitations don’t match what neighbors are describing. A disability claim that needs field verification before a decision is made. A fraud pattern that needs to be documented before it can be acted on.
And almost every carrier and SIU team that works with us once puts us on their preferred vendor list.
We get why insurance professionals are careful about who they send cases to. Weak surveillance work doesn’t just fail to document the fraud, it creates liability exposure for the carrier and makes the claim harder to defend if it goes to litigation. So we built this firm around one standard: the documentation has to hold up. In court, in arbitration, in front of a judge. If it doesn’t hold up there, it doesn’t belong in our report.
17 years. 12+ cases. nationwide That’s the firm you’re calling.
Real Documentation for the Decisions You Can't Make on a Claimant's Word Alone.
Whatever type of claim is in front of you, we provide the field-level activity documentation that makes the decision defensible. In our experience working hundreds of insurance-referred cases nationwide, carriers and adjusters come to us with one of these situations, and most engagements end up touching more than one.
Insurance
Investigations
When a claim requires activity verification, fraud documentation, or field-level evidence your team can stand behind, we go get it. Lawfully, discreetly, and documented to the standards litigation requires.
Carriers First, Always
Who we are at Terrance Private Investigator & Associates starts with the claim in front of your team and the documentation it still needs.
Court-Ready From Day One
We document the way we do because we know where the work ends up. Every surveillance log, photograph, and activity report is prepared to evidentiary standards from the moment we start, not cleaned up after the fact, because insurance carriers can't afford to build a denial decision on documentation that falls apart in litigation.
Stronger Together
Wherever the claimant is, we've got coverage. Licensed investigators across all 50 states means you get the same documentation standards whether the claim originated in Houston or Minneapolis. Insurance carriers shouldn't have to find a new vendor every time a claimant moves or a claim crosses a state line.
Defensible Every Time
We don't document what the carrier wants to see. We document what we actually observe, because a report that overstates the findings is more dangerous to the carrier than no report at all. Honest documentation is the only kind that protects the decision you're going to make with it.
How It Works From the First Call to the Final Report
When Insurance carriers and adjusters engage us, here’s exactly how it goes. No surprises, no corporate runaround.
We Talk First
01
You call. You tell us what the claim involves, what needs to be documented, and what the timeline looks like. We ask the questions that matter and give you an honest read on what surveillance or field investigation can realistically produce. If a different approach serves the case better, we’ll tell you that too.
You Sign On
02
If we’re the right fit, your team completes a short intake and signs the retainer through our secure portal. You’ll know exactly what we’re doing, what it costs, and what the operational plan looks like before any work starts.
We Go to Work
03
Your investigator goes into the field. Claimant surveillance, activity documentation, records work, background investigation, whatever the case requires. You hear from your actual investigator throughout, not a customer service rep reading off a script.
You Get Your Answer
04
Time-stamped photographs. HD video. GPS-verified activity logs. A detailed investigative report organized for immediate use by your SIU team, legal counsel, or claims committee. Delivered in a format that supports the decision and withstands scrutiny if the claim goes to litigation.
The Investigators You're Actually Hiring
Here’s the part most firms won’t say directly. The surveillance is only as good as the investigator running it, and in 17 years across all 50 states, that’s the difference between documentation that supports a denial decision and documentation that creates liability exposure for the carrier.
Insurance carriers and SIU teams that work with our firm get licensed, vetted, experienced investigators who understand what claims documentation requires and have the operational discipline to produce it correctly the first time. Not someone cutting corners on counter-detection. Not an investigator who documents generously to justify billing hours. Investigators who write every report as if it’s going in front of a judge, because sometimes it does.
The Questions Insurance Professionals Always Ask Before Calling
You’ve worked with investigators before, or you’ve heard what happens when the documentation doesn’t hold up. Here’s what carriers and adjusters want confirmed before they send us a case.
What types of insurance cases do you handle?
Workers’ compensation, personal injury, disability, general liability, and property claims where activity verification or fraud documentation is needed. Insurance carriers also use us for background investigations on claimants, asset searches in subrogation matters, witness location, and process service. Most engagements touch more than one area. That’s fine, we handle the whole thing.
Are your investigators actually licensed?
Yes. Every single one carries whatever license the state requires. If you ever work with a firm that won’t provide their license number before a case starts, that’s a problem before the surveillance even begins.
Is my consultation confidential?
Completely. We don’t disclose carrier identity, case details, or surveillance methodology to any party outside the engagement. Claimants don’t know they’re being investigated. That’s the whole point.
How long does surveillance take to produce usable documentation?
Depends on the claim and the claimant’s schedule. Some cases produce the activity documentation needed in one or two days. Others require extended observation to establish a pattern or catch a specific behavior the claim contradicts. We give you a realistic timeline on the first call, not a billing pitch.
What's it going to cost?
It varies based on scope, duration, geographic complexity, and whether team surveillance is required. What we won’t do is quote you low to get the case and then surprise you with the final invoice. Insurance carriers get a real number upfront so you can plan the case cost against the claim exposure before you authorize the work.
Let’s Connect
For inquiries related to our company or investigative services, please contact us using the form below. Our team will respond promptly.
Call us at (832) – 404-3400 or fill out our form, and we’ll contact you within one business day.
