A claim file can contain gaps or conflicting accounts. Those gaps need facts, not assumptions about the claimant. FSO Guard helps employers, carriers and attorneys examine the available evidence in insurance and workers’ compensation matters.
Our licensed investigators serve Miami and South Florida. We document lawful observations, records and interviews in a clear report for the client and counsel.
Red flags that justify an investigation
- The date or sequence of an injury report needs clarification.
- Witness accounts differ on a material detail.
- The file contains unresolved questions about work activity or prior claims.
- Reported activities appear inconsistent with the restrictions described in the referral.
- Available records or public posts warrant further verification.
- A liability claim lacks a clear timeline or supporting scene records.
None of these points proves fraud. An inquiry should test the facts fairly and record evidence that supports or contradicts the concern.
What we do
Activity surveillance
Public observation can document activity relevant to the referral. Video is recorded with time and location information. Reports describe what the investigator saw, without medical conclusions or personal judgments. Mobile assignments may use two investigators.
Claimant background and prior claims
Records work may cover identity, prior litigation, employment and business interests. The scope is tied to the claim and a documented permissible purpose. We use lawful sources only.
Employment and activity verification
When outside employment is in question, we compare available records with field checks and lawful observations.
Social media and open-source review
We can preserve relevant public posts, photos and listings. The record includes source details so counsel can assess their use.
Scene and liability investigations
For premises or vehicle claims, we document the scene, measurements and conditions. We seek witnesses and available camera footage. Prior incident information may provide context.
Witness canvass and interviews
Witness work can include locating people and taking recorded or written accounts. Statements are delivered with the supporting case material.
How the investigation is run
- Referral. Provide the claim summary, relevant restrictions, key dates and budget.
- Plan. We define the questions and review available records before scheduling field work.
- Field work. Investigators carry out the agreed checks and provide daily updates to the adjuster or attorney.
- Report. A chronological account links observations to video, records and statements. Delivery is secure. Investigators are available for hearings and depositions.
Rules we follow
We do not trespass or contact claimants under false pretenses. We do not record private conversations without consent. Tracking and access to protected records require lawful authority.
Each assignment starts with a written agreement and a documented lawful purpose. Counsel can review the proposed scope and the intended use of the evidence.
Related services
Surveillance investigations, background checks, litigation support for attorneys, fraud investigations and workplace security during terminations.
Claims investigators in Miami, Fort Lauderdale and Palm Beach
FSO Guard Security Service is a Florida-licensed private investigative agency, License A 1000095. We serve Miami-Dade, Broward and Palm Beach counties. Investigators work in English, Spanish and Russian. Call 888.881.8099 or text us for a confidential referral. We provide a written quote and can begin within 24–48 hours.
