Insurance Investigations

Insurance investigations support adjusters and special-investigation units when a claim is questionable, thin, or high-value. Auto, property, casualty, and liability files all stall on the same problem: the story is not lining up with the physical world. Investigations Plus supplies scene work, statements, surveillance, and background so the claim decision is evidence-led rather than gut-led.

When this service is the right file

• A loss date, location, or occupancy story has internal contradictions.
• Prior losses, related parties, or a newly added insured appear at the worst possible time.
• Liability depends on who was driving, who was working, or who owned the dog.
• A theft or fire needs a canvass and a timeline, not only a proof-of-loss form.
• Subrogation requires finding people and assets, not just writing a reserve.

How the investigation is done

We read the policy question you are actually trying to answer: coverage, liability, quantum, or fraud. Scene photographs, measurements, and neighbourhood canvasses come first on property and auto. Recorded or signed statements are taken with proper identification. Background on claimants and witnesses uses public records. Surveillance is used when activity or occupancy is the issue, not as a default. We keep SIU-style notes: who we spoke to, who refused, and what we did not get to.

What you receive

• Scene photographs and diagrams
• Statement recordings or signed will-says
• Canvass results
• Public-record background on parties
• Surveillance if scoped

Legal and ethical limits

Insurers operate under provincial insurance law and privacy rules. We do not obtain statements by impersonating police. We do not lose exculpatory photos. If the file is heading to the Insurance Bureau or to police, chain of custody matters from day one.

Who typically retains this work

Carriers, independent adjusters, and defence firms. Public adjusters and claimants looking for a hired gun against an insurer are not this mandate.

Where we handle these files

Losses occur everywhere Ontarians live and travel. We handle Ontario scenes as a home base and attend elsewhere in Canada when the risk and the file justify it.

Related services

These investigations are often used together. Open any service to see how we handle it.

• Surveillance
• WSIB Investigations
• Disability Claims Investigations

If the next reserve change depends on a fact nobody has gone to get, retain a licensed investigator. Bring the FNOL, the policy question, and the deadline.

Typical fact patterns

A loss date, location, or occupancy story has internal contradictions. Prior losses, related parties, or a newly added insured appear at the worst possible time. Liability depends on who was driving, who was working, or who owned the dog. A theft or fire needs a canvass and a timeline, not only a proof-of-loss form. Subrogation requires finding people and assets, not just writing a reserve.

Deliverables in practice

Scene photographs and diagrams Statement recordings or signed will-says Canvass results Public-record background on parties Surveillance if scoped We read the policy question you are actually trying to answer: coverage, liability, quantum, or fraud. Scene photographs, measurements, and neighbourhood canvasses come first on property and auto. Recorded or signed statements are taken with proper identification. Background on claimants and witnesses uses public records. Surveillance is used when activity or occupancy is the issue, not as a default. We keep SIU-style notes: who we spoke to, who refused, and what we did not get to.

Carriers, independent adjusters, and defence firms. Public adjusters and claimants looking for a hired gun against an insurer are not this mandate. Losses occur everywhere Ontarians live and travel. We handle Ontario scenes as a home base and attend elsewhere in Canada when the risk and the file justify it.

If the next reserve change depends on a fact nobody has gone to get, retain a licensed investigator. Bring the FNOL, the policy question, and the deadline. Insurers operate under provincial insurance law and privacy rules. We do not obtain statements by impersonating police. We do not lose exculpatory photos. If the file is heading to the Insurance Bureau or to police, chain of custody matters from day one.

Insurance investigations support adjusters and special-investigation units when a claim is questionable, thin, or high-value. Auto, property, casualty, and liability files all stall on the same problem: the story is not lining up with the physical world. Investigations Plus supplies scene work, statements, surveillance, and background so the claim decision is evidence-led rather than gut-led. If the next reserve change depends on a fact nobody has gone to get, retain a licensed investigator. Bring the FNOL, the policy question, and the deadline.