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Case Study · Property & Casualty

Exposing a staged commercial fire-and-theft loss

A property insurer suspected that a large fire-and-theft claim on a commercial premises had been staged. Surveillance and claims-history analysis established the facts.

The brief

A loss that didn’t add up.

The claimed inventory value far exceeded the documented stock, and the reported sequence of events was inconsistent with the physical evidence at the scene. Our client needed defensible findings before adjudicating a seven-figure claim.

Our approach

Reconstruct the loss, verify the history.

We combined discreet field surveillance with a full claims-history review across multiple carriers to build a complete, court-ready picture.

  • Pre-surveillance verification

    Confirmed subject identity and prior claims across nationwide databases.

  • Scene & loss reconstruction

    Documented inconsistencies between the reported and physical evidence.

  • Claims-history analysis

    Identified a pattern of prior losses linked to the same principals.

The outcome

A withdrawn claim and a defensible file.

Claim
Withdrawn following our report
Court-ready
Evidence & chain of custody
Multi-carrier
Prior-loss pattern surfaced
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