Insurance and property damage claims often hinge on a single question: what actually happened?
At Bedan Investigations & Litigation Support, we provide clear and defensible answers through comprehensive cause of loss verification and evidence-based claim documentation.
Our process begins with a full field investigation conducted by licensed professionals trained in investigative standards and insurance claim procedures. We document the scene using high-resolution photography, moisture mapping, and material assessment to determine whether the loss resulted from wind, hail, water intrusion, mechanical failure, or deferred maintenance. Each inspection captures visible damage, environmental context, and a clear timeline of progression or sudden impact.
Following site documentation, we perform a detailed review of all available materials, including contractor estimates, expert reports, carrier statements, and repair invoices. Through this comparative process, our investigators identify discrepancies in scope, quantities, labor rates, and material pricing. We summarize these findings in a side-by-side reconciliation chart that highlights overages, omissions, and inconsistencies. This analysis allows attorneys, adjusters, and claim managers to evaluate both the credibility and proportionality of submitted claims.
When evidence suggests third-party responsibility, our investigation expands into subrogation and liability assessment. We examine installation records, contractor compliance, and product failure histories to determine whether recovery from another party is possible. In cases that reveal irregular patterns such as repeated claims, identical narratives, or overlapping vendor use, we conduct fraud pattern analytics using data correlation and behavioral indicators.
Each assignment concludes with a litigation-ready report package. Reports are clearly structured, neutrally written, and formatted to align with evidentiary and carrier standards. They include photographic documentation, exhibit tabs, and a verified evidence index suitable for discovery or expert reliance. When required, notarized affidavits or declarations are prepared under Florida law to formally authenticate findings.
The result is more than an inspection summary. It is a defensible investigative record that connects field evidence, claim documentation, and legal presentation with accuracy and integrity.
All investigative work is performed under Florida Statute Chapter 493 and in compliance with carrier, evidentiary, and privacy standards. We maintain full chain of custody from field inspection through report completion. Bedan Investigations does not interpret policy coverage or issue engineering opinions. Our work is strictly factual, objective, and confidential, ensuring every report can stand independently in mediation or trial.
