Insurance Claim Validation and Surveillance

An insurance carrier based in Florida contacted Incognitus Private Investigators to assist with a high-stakes long-term disability claim. The claimant had been receiving monthly benefits for over a year, citing a physical condition that allegedly prevented them from working, traveling, or performing routine daily tasks. While the paperwork appeared in order, the insurance company had begun noticing inconsistencies between the claimant’s statements and background information surfaced through a routine internal review. Due to the sensitivity and potential legal exposure, the company decided to retain a licensed private investigator to verify the legitimacy of the claim without alerting the individual.

Incognitus Private Investigators assigned a lead investigator experienced in surveillance and insurance fraud. The first step involved reviewing the claim documents, medical statements, and interview transcripts provided by the client. The private investigator created a target profile, including residential patterns, known associates, and online activity. Within 48 hours, discreet surveillance operations were underway.

Over the course of seven consecutive days, the private investigator conducted static and mobile surveillance on the subject. Within the first few days, video evidence was captured of the claimant performing strenuous physical activity inconsistent with the restrictions listed in the original claim. This included heavy lifting, long-distance walking, and participating in a recreational sports league under a different name. Additional observations indicated that the claimant had been working informally at a family business while continuing to collect full disability benefits.

All surveillance was conducted within legal guidelines and fully documented through timestamped video, photographs, and daily activity logs. Once complete, Incognitus compiled a detailed investigative report including visual documentation, timelines, field notes, and a clear summary of inconsistencies between the reported condition and the subject’s observed behavior. The report was delivered within two business days of the final surveillance session.

The insurer used the findings to begin a formal reassessment of the claim and later suspended benefits pending legal review. According to the client, the quality of the report and the professional conduct of the private investigator not only protected their financial interests but helped set a standard for future fraud prevention efforts. The report was later used in arbitration, where it was accepted as credible and compliant investigative evidence.

This case is a prime example of how Incognitus Private Investigators supports insurance providers with discreet, fact-based investigations that mitigate loss, reduce exposure, and maintain ethical standards. Unlike reactive measures taken after a claim goes public or legal issues arise, our investigative services are proactive, quiet, and carefully aligned with insurance compliance requirements.

Our role as private investigators is not simply to watch and report, but to build credible evidence that supports or challenges a claim objectively. We understand the legal standards required in insurance matters, and our team tailors each investigation to produce results that are thorough, admissible, and relevant to the client’s internal review process.

By working with Incognitus Private Investigators, insurance carriers gain a trusted partner who understands both the investigative and operational pressures they face. Our investigators are trained to blend into any environment, follow procedures with discipline, and deliver results without compromising the sensitivity of the situation.

What made this particular investigation successful was the balance of speed, discretion, and detail. From initial case intake to final report delivery, the entire process was handled in under two weeks, without ever alerting the subject or creating legal risk for the client.

In an industry where fraudulent claims cost insurers millions every year, having a reliable private investigator partner can make a substantial difference in outcomes. Incognitus Private Investigators delivers not just facts, but clarity, allowing insurers to make sound decisions backed by evidence.

Whether verifying a disability case, monitoring suspected staged accidents, or evaluating internal exposure to false claims, our team is ready to protect your bottom line — quietly and effectively.