Insurance Carriers

We Support Insurance Carriers Verify Fraudulent Claims.

Our investigators have over 39-plus years of experience with insurance carriers as Claims Professionals and Special Investigators. Because of this, not only do our investigators understand coverage, but we also have experience with how insurance carriers think. Claims departments have budgets to investigate cases. We know the carrier’s dilemma in assessing expenses to help fight insurance fraud and leakage. Carriers have decided to pare down their staff over the last 15-20 years. This decision has caused many to close several field offices and centralize claims and SIU operations. While remote file handling and desk adjusting may be cheaper than having people in the field, one cannot overlook the need for a quality, in-person claims investigation when a case is being prepared for defense. At Empirical Investigative Services, while providing scene investigations, witness interviews, and securing video, we work in the field, not remotely. Therefore, we do not miss critical items that can make or break your case.

Some examples of needed field investigation may include:

• An AOE or COE first-party investigation for a work-related event
• The inspection of a supposedly malfunctioning piece of equipment that may have been altered or had a guard removed
• If a machine had an altered component or guard that might affect the subrogation potential
• If a sidewalk or walkway meets IBC or Building Code requirements
• Is there proper lighting at a business? Are the grounds maintained?
• Does the property have adequate security?

The above are just a few examples of how proper field investigation helps your case. We understand how subrogation, mitigation, and overpayment on claims that should not be paid lead to leakage and negatively affect your bottom line.