Is Your Forensic Investigation Worth It? Examining the Pros and Cons in Property Damage and Construction-defect Claims

Insurance companies are obligated to investigate and make claims decisions based on informed judgments. Claims adjusters rely on various experts and their investigations to make educated claims decisions and combat the prevalence of false or inflated claims.

The insurance investigation process can be complex and challenging for both the insured and the insurer. Forensic investigations of property and construction-defect insurance claims are appropriate when questions arise that require technical knowledge to determine causation or scope beyond the competencies of a claims adjuster.

During the investigation, the forensic investigator often utilizes sophisticated tools and testing procedures to determine causation or if building system component assemblies have been installed or constructed in accord with design and industry-standard specifications and requirements. These tools and testing procedures vary tremendously and have the capacity to significantly aid to a forensic investigation.

On the other hand, the same tools and tests may prove unreliable if inappropriately performed. Understanding the benefits and detriments of these procedures helps the forensic investigator advise insurance claims professionals regarding a pathway to claim resolution.