Practice 03 · of eight
Insurance & claims investigations
Objective field and intelligence support for complex, inconsistent, high-value or suspicious claims — without prejudging the claimant, and reported in both directions.
- Instructed byInsurer or assessor
- Typical duration5–15 days
- Commercial basisPer claim or panel
- Tested byOmbud, review, court
Questions this practice answers
Clients rarely arrive with a service in mind.
- Is the loss consistent with the account given?
- Are there undisclosed prior or parallel claims?
- Does the evidence support repudiation — or payment?
- Can the scene and timeline be independently verified?
What the work involves
Within the ten-stage process.
- Stages 01–03
Appointment and legality
Panel or per-claim appointment, with the lawful basis for verification recorded.
- Stage 05
Verification
Scene and field enquiries, record checks and preserved public digital material.
- Stage 06
Grading
Each element of the claim is graded; consistency is reported as readily as inconsistency.
- Stage 07
Reporting
A claims report written to be read by the ombud or a court, not only by the assessor.
Deliverable
What you receive.
A claims report stating what the evidence supports, what it contradicts and what remains inconclusive — with the claimant's position fairly recorded.
- Claims reportPrimary
- Observation logAnnexure
- Photographic recordWhere lawful
- Field verification
- Scene enquiries
- Statement analysis
- Record checks
- OSINT
Limits of this practice
What this work is not.
- No prejudgement of the claimant
- No medical records without lawful basis
- No open-ended surveillance
- No claims decision made on the insurer's behalf
Often combined with
Most matters draw on three or four practices.
Confidential enquiries
Start with the question, not the method.
We assess the concern, lawful purpose and available information before recommending a scope.
Request a confidential consultation