Strategic Investigative Support for Claims Integrity
Insurance claims—particularly those involving alleged injuries, disability, or loss—require careful evaluation to ensure accuracy, legitimacy, and appropriate resolution. When inconsistencies arise, effective claim defense depends on timely, objective, and well-documented investigative findings.
Hettrick, Cyr & Associates, Inc. (HC&A) provides comprehensive insurance claim defense investigations and surveillance services designed to assist insurers, self-insured organizations, municipalities, and third-party administrators in evaluating claims, identifying discrepancies, and mitigating exposure.
Our approach combines field investigations, intelligence gathering, and analytical review to deliver defensible, evidence-based findings that support informed claims handling decisions.
Why Choose HC&A for Insurance Claim Defense Investigations & Surveillance
Investigative Support for Complex Claims
HC&A specializes in investigations involving:
- Workers’ Compensation claims
- Liability and bodily injury claims
- Disability and lost wage claims
- Suspected fraud or claim exaggeration
- High-exposure or litigated claims
Our investigators work closely with adjusters, SIU units, and legal counsel to develop investigative strategies aligned with the specific needs of each case.
Professional Surveillance Services
Covert Surveillance Operations
HC&A conducts professional surveillance designed to document claimant activity and assess consistency with reported injuries or limitations.
Surveillance services include:
- Stationary and mobile surveillance
- Video documentation of claimant activities
- Multi-day and extended surveillance assignments
- Weekend and holiday coverage as needed
All surveillance is conducted in a lawful, discreet, and professional manner, with a focus on obtaining clear, relevant, and admissible evidence.
Activity Verification & Field Investigations
Beyond surveillance, HC&A provides a full range of field investigative services, including:
Activity Checks
Verification of claimant residence, employment status, and daily activity patterns.
Neighborhood & Witness Canvasses
Interviews with neighbors, employers, and other individuals who may possess relevant information.
Statement & Recorded Interviews
Obtaining statements from claimants, witnesses, or involved parties, when appropriate.
Sub Rosa Investigations
Targeted investigative efforts designed to uncover undisclosed activities or inconsistencies.
Background & Intelligence Investigations
HC&A conducts comprehensive background investigations to support claim evaluation, including:
- Prior claims and litigation history
- Employment and income verification
- Social media and open-source intelligence (OSINT)
- Public records and database research
These investigations provide critical context and may reveal patterns of behavior or prior activity relevant to the claim.
Evidence-Based Reporting
All HC&A investigations are supported by clear, concise, and professionally prepared reports, including:
- Detailed investigative summaries
- Time-stamped video documentation
- Photographic evidence
- Investigator observations and analysis
Reports are structured to support:
- Claims handling decisions
- SIU referrals
- Litigation and legal review
Our documentation emphasizes accuracy, clarity, and evidentiary value, ensuring findings are defensible in administrative and legal proceedings.
Strategic Case Support
HC&A works in partnership with claims professionals to provide:
- Pre-surveillance claimant profiles
- Case strategy development
- Ongoing status updates
- Recommendations for additional investigative activity
This collaborative approach ensures that investigations are focused, efficient, and aligned with claim objectives.
Compliance & Professional Standards
All investigations are conducted in accordance with:
- Applicable state and federal laws
- Privacy and surveillance regulations
- Industry best practices and ethical standards
HC&A investigators are trained to ensure that all investigative activity is lawful, appropriate, and professionally executed.
Investigative Precision. Defensible Results.
Organizations rely on Hettrick, Cyr & Associates for insurance claim defense services that require precision, discretion, and professional integrity.
Our investigative findings provide the clarity and documentation necessary to support effective claims management and reduce exposure to improper or fraudulent claims.
Contact HC&A
For additional information regarding HC&A’s Insurance Claim Defense Investigations and Surveillance Services, please contact our office.
Our investigative professionals are available to assist with your most challenging claims.