Types of Insurance Claims We Investigate 

Here are the types of insurances, which may trigger claims and/or suspect claims to be investigated: 

Workers’ Compensation: The nexus between the injury and Arising Out of Employment/Course of Employment (AOE/COE) is critical to investigations of Workers’ Compensation claims. Our team will employ strategies to determine whether the alleged injury occurred during work, while performing a work-related task, outside the normal course of work duties, or elsewhere. 

Personal Injury: If you have doubts about an individual’s personal injury, our team can thoroughly investigate the claimant to determine the veracity of their claim using one or more of our insurance investigative services. 

Disability: Our team investigates short- and long-term disability claims if you believe the claimant may be exaggerating their case or filed with ulterior motives. We will pay close attention to physical activities, employment status, and more. 

Property – Commercial & Residential: If you suspect an insured submitted an insurance claim with inflated losses/ and or property values on their residential or commercial policies, we will take the necessary steps to investigate and gather the information that helps you confirm whether the claim was wholly legitimate. 

Product Liability: When there is not apparent negligence, strict liability, or breach of a warranty in a product liability case, we can investigate the facts and circumstances from which the claim arose. 

How We Investigate Insurance Claims 

We offer customized insurance claims services designed to meet the broad-based needs of our clients, including: 

Surveillance - Our dedicated team of field agents utilizes state-of-the-art equipment and proven covert techniques to obtain the highest quality video and documentary evidence. 

Background Investigations - We can obtain and verify records regarding a person’s criminal court records, professional licenses, bankruptcy, business ownership, sex offender status, and many other records that may benefit your case. 

Social Media Investigations - You can discover a lot about a person through their social media channels, which is especially beneficial during a claim’s investigation. Our dedicated team of technology experts has experience obtaining information relevant to cases via Facebook, Twitter, Instagram, TikTok, YouTube, LinkedIn, and more. 

Statements & Interviews - During any insurance investigation, it is essential to document an accurate and complete account of what happened. After conducting countless statements and interviews, we know the questions to ask under the most unusual of circumstances. 

Alive & Wellness Checks - Our team can perform alive and wellness checks in-person, virtually, or over the phone to confirm that a person is in good health and receiving their benefits. 

Scene Investigations - It is crucial to have a seasoned, professional investigator perform a scene investigation. Our team will photograph, take video, and identify surveillance cameras in the immediate area to document where the accident/incident took place to confirm (or uncover) the fact pattern. 

Dram Shop Investigations - A dram shop is an establishment where alcoholic beverages are served. Dram shop laws are intended to protect the general public from the consequences arising out of the sale of alcohol to visibly intoxicated persons and/or minors. Our team has the knowledge and experience to thoroughly investigate the events leading up to an incident involving drunk driving to help determine liability. 

Stranger-Oriented Life Insurance (“STOLI”) Investigations – STOLI is an arrangement in which an investor holds a life insurance policy without an insurable interest. Without an insurable interest, the investor would ordinarily be prohibited from purchasing the original policy. STOLI arrangements are broadly illegal and involve financial fraud schemes. Stumar can assist you and your firm in determining fact from fiction.

Locate Investigations - Our team of dedicated investigators has the skills and tools necessary to locate a debtor or the current location of any key witnesses.

Asset Investigations - Our team of investigators can retrieve records confirming personal property or real estate and or business affiliates by any individual to gain insight into personal financial situations. 

Litigation Support - We assist your attorney's efforts in pursuing your case, gathering all the information, evidence, and documentation needed to make your case as strong as possible. Comprehensive and complete information is critical when considering depositions, trial preparation, and results of the litigation itself.