Reasons To Hire a Private Claims Adjuster in Long Island and Garden City, NY

 Insurance companies have to deal with thousands of claims on any given day. The top companies have well-staffed departments that investigate fraudulent claims. Rejection of a filed claim based on mere suspicion is not enough, as the claimant may sue the company for breach of contract. Therefore, insurance agencies and other organizations must conduct a discrete but professional investigation into the matter before informing the claimant. Using the services of an existing or newly hired insurance investigator in Long Island and Melville, NY, becomes necessary in such circumstances.

True, it is the insurance companies that often hire such investigators to handle specific cases. The professionals are hired for a specific term and are usually not on the payroll. They are contractual employees instead. Other organizations that find such investigators a vital addition to their team include the following:

Claims Bureaus- These are independent organizations that often handle the claims on behalf of specific insurance companies. They use the services of an investigator to assess the validity of claims and spot potential fraud.

Private Investigative Firms- There are diverse types of private investigator firms across America. A customer needs to inquire about the kind of services they offer before hiring them. It is further interesting to learn that such firms may offer specialty services like insurance claims investigation by an experienced investigator with years of experience handling insurance claims.

Legal Firms—These firms often hire insurance for need-based tasks when their clients need help with insurance disputes or fraud.

Corporate Offices- The employer may desire to rope in an insurance investigator to conduct investigations related to employee benefits or business insurance problems.

The user of such investigators/investigations must understand that an insurance investigator is not akin to a private detective. Instead, their role is limited to the following responsibilities undertaken by them: -

Review of Documents—The professional will meticulously examine all documents related to the insurance claim. These may include police reports, medical reports, and/or property or vehicle damage-related estimates.

Interview of Witnesses- The investigator will also interview varied individuals who were witnesses of the incident(s). This may include the claimant, eyewitnesses, and local law enforcement authorities to gather more information.

Evidence Collection—The investigator is equipped to collect physical evidence by visiting the scene of the accident, disaster, or other incident. Moreover, they are welcome to conduct surveillance if necessary to obtain more information.

Fraud Detection- The professional will use the expertise to look for discrepancies, inconsistencies, and noticeable red flags. Potential frauds are usually noted by identifying staged accidents, self-injuries, arson, or excessive medical expenses.

Assessment- the final report prepared by the investigator will reveal the findings used to assess the claim. The report may advise the insurance company to pay compensation by validating the claim or recommend denying it due to fraud being committed.

Insurance companies may find a lack of staff when flooded by filed claims in the aftermath of a natural disaster. Such circumstances cause them to hire a seasoned private claims adjuster in Long Island and Garden City, NY to validate the claims and calculate the settlement amount.