Insurance Forensics

As some of you know, I like to share the more interesting aspects of my job. Adjusting isn’t just about homeowners claims and auto. I like to position myself as more of a “bespoke” adjuster handling more interesting files.

I hope that people find this interesting and that it changes perceptions of what adjusting can look like.

Forgive my possibly overzealous redacting, but better safe than sorry.

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A big part of my job is investigative in nature. Like a criminal investigation, my role is to investigate, document and prepare for court. Unlike a criminal investigation, we’re typically on the defense side and the burden of proof in a Civil Court is on a “balance of probability” rather than “beyond a reasonable doubt”.

A lot of what I do involves forensics. Fire investigations, product liability investigations or other specialized matters.

Today I was at a laboratory participating in examination of some evidence in an ongoing claim. The analysis involves metallurgical testing, microscopic investigation and the creation of silicon replicas of certain key pieces of evidence.

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Laser scanners are used to acquire highly detailed images of evidence and specialized software to analyze, measure and classify certain pieces of evidence.

Other investigations that I have been involved with involve DNA or material testing of foreign objects, electron microscope examination of minute cracks in glass in a heating element.

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It is interesting as the things we typically examine are quite mundane. Perhaps a thermostat, length of cable, chicken nuggets.... But when we’re talking thousands, hundreds of thousands or even millions of dollars of potential loss, things get quite detailed.

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