Your Phone Is Becoming One of the Most Important Witnesses in an Investigation
A phone sits in almost every pocket, purse, and cupholder in the ...
Insurance Companies & Claims Professionals
Defensible claims investigations that hold up when the file gets challenged
On this page:
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Overview
Insurance companies retain us to establish facts on claims where the documentation is incomplete. Activity level on a disputed disability claim. Whether a reported loss occurred as described. Whether a claimant lives at the address on file or has a claims history that was never disclosed.
We take no position on the outcome. Assignments are worked the same way whether the findings support the claim or undermine it, and both are reported with the same detail. That neutrality is not a courtesy to the claimant. It is what makes the documentation usable, because an investigator who reliably produces the answer the carrier wanted is an investigator whose findings do not survive deposition.
Over 17+ years and more than 800 closed cases, we have built our claims work around three standards: fieldwork performed lawfully in the venue where the claim sits, documentation prepared to evidentiary standards from the first hour, and reporting an adjuster can act on without a follow-up call. Insurance companies working with us for the first time usually start with a single file. What sustains the relationship is that the fortieth file is handled the same as the first.
Experience
Years supporting insurance companies
0
+
of the top 5 global multiliners have worked with us
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%
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How We Help
Assignments are scoped to the exposure, the venue, and what the file needs documented. The services insurance companies request most often:
Surveillance
Time-coded video with contemporaneous field notes, observation periods logged whether or not activity is captured.
Claims Investigations
Recorded statements, scene inspections, neighborhood canvassing, and verification of the facts stated in the loss report.
Locate Claimants and Witnesses
Current address verification on claimants who have stopped responding and witnesses listed on the original report.
Employee and Internal
Workers compensation exposure, premises liability, and internal matters requiring a neutral third-party investigator.
Background Checks & Due Diligence
Prior claims history, employment verification, and publicly available information gathered lawfully and documented for the file.
Asset Searches and Subrogation Support
Determination of whether a responsible party has recoverable assets before subrogation costs are committed.
Who We Help
Most files that reach us have already been through an activity check that produced nothing usable. Our work is commonly requested by:
- Insurance Companies and Carriers
- Claims Adjusters
- Third-Party Administrators
- Special Investigation Units
- Self-Insured Employers
- Insurance Defense Counsel
- Workers Compensation Carriers
- Property and Casualty Insurers
- Commercial Lines Underwriters
- Subrogation Departments
- Risk Managers
- Managing General Agents
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Resources
Is That Photo, Text or Voice Recording Real? How Private Investigators Verify Digital Evidence in the AI Era
A few years ago, video and audio recordings were treated as close ...
Why Hiring a Licensed Private Investigator Matters, and Why Terrance Private Investigator & Associates Is the Right Choice
The Importance of Hiring a Licensed Private Investigator When someone needs answers, ...
Is Surveillance Legal in Austin?
Yes, within limits. The limits are what separate usable documentation from a ...
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Meet Our Investigators
Our field investigators come from backgrounds in law enforcement, military intelligence, insurance claims, and licensed investigative practice, and most have worked claims files for longer than they have worked for us. That experience shows up in the details that matter to a carrier. They know what an independent medical examination window means for scheduling. They know which observation positions produce usable footage and which ones produce forty minutes of a hedge. They know that a report an adjuster cannot act on is not a finished report.
Our investigators hold the licensure required wherever they work and maintain active membership with the National Council of Investigation and Security Services. After 17+ years working with insurance companies nationwide, we assign files based on who has handled that claim type before, not on who happens to be available.
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Why choose us
Court-Ready by Default
Time-coded video, contemporaneous field notes, chain of custody recorded from collection forward. Every file is prepared on the assumption that defense counsel may need to use it.
Neutral Findings
We report what the evidence establishes, including when it supports the claimant. Findings shaped to fit a preferred outcome do not survive scrutiny and create exposure rather than reducing it.
Defined Turnaround
Most assignments begin within 24 hours of receipt. Status updates are provided during the assignment, not only on delivery.
Reports Built for the File
structured so an adjuster can act on them, complete enough for defense counsel, and written with the understanding that a jury may eventually read them.
Nationwide Coverage
A licensed investigator network covering venues nationwide, with the assigned investigator already local to the claim. No travel time billed to the file.
Consistent at Volume
Recurring assignments are handled to the same standard as the first file. Reporting format, documentation practice, and turnaround do not change as volume increases.
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Next steps
Send the file and the exposure. You will get an assessment of what investigation can realistically document, what it will cost, and what timeline is achievable in that venue. Where the file does not justify the expense, we will say so before the assignment is opened.
Case studies
Claims, surveillance, and fraud matters resolved for insurance companies nationwide.
Shannon Knew Olivia Was Not Being Taken Care Of. She Just Needed Someone to Document It.
CASE OVERVIEW Olivia was coming back from Keith’s place different. Shannon had ...
Logan Could Not Serve the Papers Because Madison Had Vanished. We Found Her.
He admitted the affair. She still needed it documented. Our infidelity investigation ...
Trish Knew Something Was Wrong. She Just Did Not Know Her Name Yet.
Andy had been coming home different. Trish could not explain it to ...
Frequently Asked Questions
Below are the questions carriers and adjusters ask most often. If you do not see yours here, contact Terrance Private Investigator & Associates for a confidential consultation.
Contact Us
For a file where the documentation is incomplete, contact us to discuss scope, timeline, and cost. Our licensed private investigators support insurance companies, adjusters, and defense counsel nationwide.