For an insurance company owner, it is hard to know when someone is filing an honest or fraudelent claim. An insurance company is there to help and assist their clients, but not to be taken advantage of. Nonetheless, an insurance company often finds themselves in a difficult situation. When a homeowner needs to file a claim when their home is damaged due to a fire or flood, the insurance company will need to know if the claim is real. When an insurance company finds they are not sure if a claim is legitimate, they can hire a private investigator to help them discover the truth. Advanced Private Investigator & Security of Miami, FL will share what is known as an “Origin and Cause” investigation and how it helps insurance companies.
What is an Origin & Cause Investigation?
When it comes to a property insurance claim, an insurance company will need to investigate and determine the source of the cause and the extent of the damages. From there they will help cover the cost of repairs and replacement for items that were legitimately damaged. However, before the insurance company moves forward with the claim they will need to make sure they know the “origins”. Sometimes the homeowner’s story simply doesn’t make sense or other times they intentionally cause the damages to their home. It can be surprising to discover that a homeowner actually sets their home on fire or allowed a water leak. In other cases, the homeowner was the cause of the damage unintentionally. And example might be that they may have fallen asleep with a lit cigarette or left the stove on. When an insurance company isn’t sure if the origin and cause were an accident, they often need help. A private investigator can be hired to help thoroughly investigate the origin and cause to make sure they both line up and the story fits.
What are the Steps in Analyzing the Origin & Cause?
An insurance company often has a number of features on a policy that can help a homeowner in many different ways. However this also means that an insurance company will have a number of different types of claims they need investigating. Luckily, a private investigator is flexible and has the ability to investigate many different types of claims. Some of the common types of claims a private investigator can help with are:
• Fire Loss
• Gas Explosions
• Smoke Damage
• Appliance Fire
• Electrical Fire
• Ice and Snow Damage
• Water or Flood Damage
Benefits of Outsourcing Insurance Investigations
Often an insurance company will have an insurance adjuster that will perform the investigation for the origin and cause. However, when certain aspects are not clear they may need a second opinion. A private investigator can also do more than just investigate the origin and cause of the damage. Private investigators can also perform an investigation of the homeowner to determine if they are likely to commit fraud. A homeowner’s history can help shine light on a claim.
Private Investigator & Security Services in Greater Miami, Sunny Isles, Hialeah, Fort Lauderdale, Pembroke Pines, Hollywood, Miramar, Boca Raton, West Palm Beach & Miami Gardens Florida
When an insurance company needs help finding the truth behind a claim, Advanced Private Investigator & Security of Miami, FL can help.
