Insurance Defense Investigations for South Florida Carriers and Counsel
Inflated claims, exaggerated injuries, and fraudulent activity drain carrier reserves and weaken defense positions. Wasser Investigations provides insurance carriers, third-party administrators, and defense counsel with the surveillance and field intelligence needed to verify what claimants are actually doing day-to-day.
Since 1985, our licensed Florida investigators have produced the kind of timestamped video, witness statements, and activity documentation that supports denials, controls reserves, and strengthens defense strategy at every stage of a claim.
Cases We Work
Insurance defense covers a wide range of claim types. We work with carriers, TPAs, SIU teams, and defense counsel on:
Workers' compensation surveillance to document claimant activity versus reported restrictions
Personal injury claim verification, including soft-tissue, slip-and-fall, and motor vehicle cases
Long-term disability and short-term disability claim investigations
AOB (assignment of benefits) and property claim fraud, including post-loss activity documentation
Premises liability and negligent security defense
Bodily injury claims with disputed causation or pre-existing condition issues
Activity Verification Surveillance
The core of insurance defense investigation is documenting what a claimant actually does, in contrast to what they have reported. A claimant who has stated they cannot lift, drive, or work may be observed doing all three. Our role is to capture that activity on timestamped video, in lawful settings, with a chain of custody that holds up under cross-examination.
Surveillance is planned around claimant routines surfaced during the intake and pre-surveillance research phase. We coordinate with the carrier or counsel on the specific activity restrictions and reported limitations that need to be tested, then deploy investigators during the windows most likely to produce evidence.
South Florida geography matters here. The same claimant may travel between Miami-Dade, Broward, and Palm Beach in a single day, particularly for work, family, or secondary employment. Our investigators are positioned to follow that movement across county lines without losing continuity. Coastal traffic patterns, gated communities, and the venues claimants frequent (gyms, marinas, construction sites, ride-share staging areas) are operational territory we know.
Pre-Surveillance Research and Background Intelligence
Effective surveillance starts before the camera turns on. Every engagement begins with the background work that determines whether surveillance will be productive and how to position it:
- Social media review for activity inconsistent with reported limitations
- Verification of current address, vehicle, and known associates
- Prior litigation and claim history search where applicable
- Identification of patterns, gym memberships, employer changes, or secondary jobs
- Coordination with carrier records and counsel theory of the case
Deliverables Built for Adjusters, Counsel, and Trial
Every insurance defense engagement produces a complete investigative file:
- Timestamped video and photographic evidence organized by date and activity
- A written investigator's report and timeline
- Chain-of-custody documentation for every recorded asset
- Witness identification and recorded statements when applicable
- Investigator availability for EUO support, deposition, and trial testimony
Why South Florida Carriers and Firms Call Us
Insurance fraud in South Florida has its own operational reality. Coastal counties produce a high volume of staged accidents, AOB schemes, and aggressive claim filings. Wasser Investigations has worked these patterns for four decades, and our investigators know the geography, the venues, and the recurring actors. Cases get to a defensible resolution faster because the investigator running the file is the investigator who has worked the area since 1985.
Carriers and firms also get direct access to that investigator. No account managers, no rotating staff, no delays between the adjuster's call and field action.
Frequently Asked Questions
How quickly can you start surveillance after assignment?
Within 24 to 48 hours of intake in most cases. Rush assignments tied to scheduled IME days, mediations, or court dates are accommodated when notice allows.
Will your investigators testify in court or at deposition?
Yes. Every Wasser investigator is available for sworn statements, EUO support, deposition, and trial testimony as a standard part of the engagement. We document evidence with that obligation in mind from the start.
Do you handle workers' compensation surveillance specifically?
Yes. Workers' comp claimant surveillance is a core service. We work with carriers, TPAs, and defense counsel to document activity inconsistent with reported restrictions, and we structure deliverables for use in 440.105 fraud referrals where applicable.
Can you coordinate with our SIU team?
Yes. We routinely coordinate directly with SIU investigators on assignment direction, intelligence sharing, and reporting cadence. Engagements can be structured as parallel investigations or as field execution of SIU-directed strategy.
Are your investigators licensed in Florida?
Yes. Wasser Investigations operates under Florida Agency License #A3200002. Every field investigator deployed on insurance defense assignments is individually licensed under Florida Chapter 493.
Whether you need surveillance for a single high-exposure claim or a long-term assignment relationship.
Call (305) 278-8700 to discuss your file. The initial conversation is confidential, direct, and at no charge.
Call (305) 278-8700LICENSED FLORIDA AGENCY #A3200002