Insurance Claims Investigations


One of the cornerstones of Cole Investigative Agency is our long-standing tradition of providing investigative excellence to insurance carriers and claims agencies. Our investigative services, which include casualty surveillance, background checks, and activity checks, have helped thousands of adjusters and defense attorneys from coast to coast to gather the information they need to make educated, responsible claims decisions.

We realize that too many insurance investigative agencies make far too many irresponsible promises about what they can do, which almost always leave you looking bad to your supervisors, claims team, and the claimant. We understand that you have many choices when selecting an investigator and that most insurance investigators sound the same when pitching their services to you.

What we will promise you, which the giant national P.I. agencies cannot, is that we will not embarrass you or your company. We do not accept assignments that we cannot actually do and do well. We do not use investigators who are untrained and inexperienced and make for poor witnesses on the stand. In short, everything we do, we do with your best interests in mind. We follow an ethics policy, treat the subject of the investigation like a real person, and respect their rights and dignity.

Many insurance investigative agencies can't deliver the same level of service or product that we can because they try to be everything to everyone and everywhere at the lowest price possible. In our business, labor costs are the main expense that a P.I. will incur. By keeping that cost as low as possible, they try to maximize their profit. (For those of you who may doubt that these national agencies pay only slightly better than the minimum wage, call and ask to apply for a job at one and ask for the starting salary.)

Keeping labor costs low sounds like a sound business decision, particularly when they rationalize this by relying on case management software, an initial training class, and even some experienced supervisors to try and make up for a lack of experience or skill in the field.

The problems arise when you realize that their investigators are not professionals. They are kids with little or no real-world experience, supervision by telephone only, and a true lack of concern for their low-paying, dead-end jobs. No agency can provide you with true investigative excellence when the work is actually being conducted by inexperienced investigators who make ten dollars an hour, and that's what they do. Even more insulting than providing these people as their field investigators, these same firms send out salespeople to convince your manager that they should be hired to manage your claims files and special investigative unit. You need investigative expertise, not fairytale stories from someone who sees your case and numbers ten thousand.

Why would any carrier want to work with these giant agencies? Because they sell the idea of "cost savings" to executives very high up in the company, who get wined-and-dined by sales professionals with graphs and slick promises. In some cases, these investigative agencies also give their clients "refunds" or "rebates," a.k.a. kickbacks.

We have a different approach. We only take cases in areas we cover regularly and reliably, we have a strict code of ethics we follow, all of our investigators are experienced and make for strong, credible witnesses in court, and all of our investigators are well-paid professionals.

A person holding a magnifying glass over money.

About our Insurance Claims Investigation Services


Our casualty surveillance services are available for the following types of claims:

  • Bodily Injury Claims

  • Workers' Compensation Claims

  • Disability Claims

  • Public Liability

  • Litigation Support

  • Subrogation

All of our work is documented and supported. We do not speculate or embellish. We know what you need to succeed in the insurance industry, and that is what we deliver.

When you need results, we encourage you to call us today and speak with an investigator at
(214) 915-0341 or (866) 208-7419.