How Surveillance Strengthens Insurance Defense Cases

Insurance carriers and defense attorneys see it every week: a claimant whose reported injuries don't match how they actually live. Surveillance is one of the most effective ways to find out. Hubbard Investigations supports insurance companies and defense attorneys across Florida with discreet, lawful surveillance that produces objective, court-ready evidence.

Claims we investigate

Workers' compensation. Claimants on restricted or no-work status who are working elsewhere or doing physical activity they say they can't.
Auto accident claims. Injury claims after a crash, where daily activity tells a different story than the medical complaints.
Slip-and-fall and premises liability. Claimed injuries and limitations that can be checked against real-world activity.
Long-term disability. Ongoing claims where routine, work or hobbies suggest the claimant is more capable than reported.

What surveillance shows

We document a claimant's activities, limitations and daily routine: lifting, carrying, bending, yard work, gym visits, sports, a second job or a business they run. Sometimes the video confirms the claim is legitimate, and that is useful too, because it lets the carrier pay a valid claim with confidence. Either way, you get facts, not assumptions.

What you receive

Time-stamped video and photos
A detailed activity log with times and locations
A professional written report, delivered promptly
Testimony about what we observed, if the case goes to deposition or trial

Doing it right

Surveillance only helps a case if it holds up. Our investigators observe and record only what can be seen from public places, never trespass, never record private conversations and never contact the claimant under false pretenses. In Florida, surveillance materials a party plans to use at trial generally must be disclosed in discovery, so careful, well-documented work matters. Knowingly making false statements to get workers' compensation benefits is a crime under Florida law.

Why carriers and defense firms use us

Led by a former detective and licensed by the State of Florida (agency #A1200250).
Statewide and nationwide. Based in Clearwater, working across Florida and beyond.
Fast response. John Hubbard answers every call himself, and we can often start the same day.

Frequently asked questions

Is insurance claim surveillance legal in Florida?

Yes, when it is done properly. Licensed investigators can observe and record what anyone could see from a public place. We don't trespass, record private conversations or contact the claimant under false pretenses, which keeps the evidence usable.

What kinds of insurance claims do you investigate?

Workers' compensation, auto accident injury claims, slip-and-fall and premises liability claims, and long-term disability claims, for insurance carriers and defense attorneys.

What if the surveillance shows the claim is legitimate?

Then you know, and you can resolve the claim with confidence. We report what we observe, nothing more and nothing less.

Do you testify about your surveillance?

Yes. Our investigators can testify at deposition or trial about what they observed and how the video and report were made.

How quickly can you start on a claim?

We can often have an investigator in place the same day, anywhere in Florida. Same-day and after-hours requests can carry an emergency fee, which we tell you about up front, before any work begins.

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Need this looked at?

If any of the above applies to a case you're dealing with, call 727-495-6565 for a free, confidential consultation, or send us a message.

Call 727-495-6565