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Mayn Investigations FL
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INSURANCE DEFENSE INVESTIGATIONS

Insurance claims can leave important factual questions unanswered. A claimant’s reported limitations may require independent observation. A witness may need to be located and interviewed. An accident scene may need to be documented before conditions change. Employment, business activity, or other publicly available information may also require verification.

Mayn Investigations FL provides insurance defense investigations throughout Florida for insurance carriers, defense counsel, third-party administrators, self-insured organizations, claims professionals, and Special Investigation Unit teams. Assignments may involve workers’ compensation investigations, claimant surveillance, activity checks, liability investigations, scene documentation, witness development, public-record research, employment verification, business-activity research, and other lawful investigative services.

The objective is straightforward: develop relevant facts and organize documented observations so authorized claims and legal professionals can evaluate them alongside the existing claim file.

Mayn Investigations FL operates under Florida Agency License #A3400126 and identifies itself as licensed, bonded, and insured. President and Lead Investigator Alexander Maynfeld has more than 10 years of investigative experience involving surveillance, SIU, workers’ compensation, disability, insurance fraud, auto accidents, and corporate and financial fraud.

Table of Contents

Insurance Defense Investigations in Florida

An insurance defense investigation usually begins with a specific factual question.

Is the claimant engaging in activity that needs to be documented? Has a witness not yet been located? Did conditions at an accident scene change? Does reported employment or business activity require verification? Are there inconsistencies that warrant additional investigation?

Mayn Investigations FL provides investigative support for:

The investigator’s role is to develop and document factual information through appropriate investigative methods. Legal conclusions, medical determinations, claim decisions, and litigation strategy remain with the appropriate professionals.

Insurance Defense Investigation Services

Workers’ Compensation Investigations

Workers’ compensation investigations may be appropriate when questions arise about a claimant’s reported restrictions, physical capabilities, employment, or daily activities.

Surveillance and activity checks may document observable conduct such as:

The investigator documents what is actually observed. The investigation does not independently determine whether a claim is legitimate or fraudulent. The resulting documentation can be reviewed by the carrier, claims professional, SIU team, or defense counsel alongside medical records, statements, and other claim materials.

General & Premises Liability Investigations

Liability claims often depend on what happened at a particular location and what conditions existed at the time of the incident.

An investigation may document:

Prompt scene documentation can matter when construction, repairs, weather, maintenance, landscaping, business operations, or other changes may alter the conditions that existed when the incident occurred.

Activity Checks

An activity check is a focused investigative assignment built around a particular question, location, or period.

Rather than extending surveillance without a defined purpose, the investigation can be structured around the information the client needs to verify. This may involve employment activity, physical activity, vehicle use, travel, business activity, or other observable conduct relevant to the claim.

The goal is focused documentation tied to the investigative question.

Claimant Surveillance

Claimant surveillance provides documented observations of a subject’s activities for review by authorized claims and legal professionals.

Surveillance may be relevant to:

Depending on the assignment, documentation may include video, photographs, activity logs, investigator notes, time and location information, and chronological reporting.

Surveillance is planned around the available information, subject, location, timing, expected activity, and investigative objective. Methods remain subject to applicable legal requirements.

Scene Investigations

A scene investigation creates an investigative record of a location relevant to a claim.

Investigators may document:

Physical conditions do not necessarily remain the same after an accident. A timely investigation can help preserve information before repairs, weather, construction, business operations, or other changes affect the scene.

Witness Statements

Witnesses may have information that is absent from the original claim file.

Investigative support can include identifying potential witnesses, locating contact information, making appropriate contact, conducting interviews, and obtaining recorded statements when appropriate.

A witness may provide information concerning:

Witness interviews may also identify additional witnesses or investigative leads. Participation cannot be guaranteed, but investigative contacts and information obtained can be documented for claims or attorney review.

Public-Source Social Media Investigations

Publicly available social-media information can sometimes provide additional investigative leads or context.

Research may involve publicly accessible:

The investigation is limited to information that investigators are lawfully permitted to access. Private accounts, passwords, private messages, and restricted content are not accessed without appropriate authorization.

Employment & Business-Activity Verification

Employment and business activity may be relevant to workers’ compensation, disability, liability, and other insurance matters.

Depending on the assignment, research may focus on:

The purpose is to develop factual information that can be compared with information already contained in the claim file.

Medical-Provider & Treatment-Pattern Research

Medical-related investigative work requires particular care.

Where legally permitted and appropriate, research may examine publicly available information concerning medical providers, provider relationships, treatment patterns, or other authorized claim-related information.

Investigators do not replace medical professionals in evaluating diagnosis, treatment, causation, or medical necessity. Protected medical information must be handled according to applicable requirements and authorization.

Fraud Indicators & SIU Support

Special Investigation Units may request field support when circumstances surrounding a claim warrant additional review.

Potential investigative concerns may include:

The investigator’s role is to identify and document relevant facts. Findings may provide information for further SIU, claims, or legal review. An investigation should not be represented as a determination of fraud unless the documented facts support that conclusion.

What an Insurance Defense Investigation May Document

The usefulness of investigative work often depends on how clearly the information is documented and organized.

Depending on the assignment, a client may receive:

The objective is to provide the carrier, claims professional, SIU team, or defense attorney with an organized investigative record rather than a collection of disconnected observations.

From Claim Question to Documented Findings

Claim Question
 ↓
Case Evaluation
 ↓
Investigation Strategy
 ↓
Field Investigation
 ↓
Evidence Documentation
 ↓
Investigative Report
 ↓
Claims or Legal Review

Not every assignment requires every stage. The investigative approach is based on the question being investigated, available information, location, timing, and client objectives.

Before and After an Investigation

Before Investigation

A claim may contain:

After Investigation

Depending on the assignment, the claim file may contain:

The investigation adds another source of factual information for authorized professionals to consider. It does not replace the claim file or the analysis performed by counsel, claims professionals, or medical specialists.

The Insurance Defense Investigation Process

1. Confidential Case Review

Review the claim, investigative concerns, available documentation, and objectives.

2. Case Evaluation

Identify the factual question that requires verification and determine which investigative methods may be appropriate.

3. Investigation Strategy

Develop a case-specific plan around the subject, locations, timing, claim issues, and information already available.

4. Investigation

Conduct the assigned surveillance, interviews, research, activity checks, scene work, or other investigative services.

5. Documentation

Organize relevant observations, photographs, video, statements, records, notes, and findings.

6. Reporting

Prepare a clear investigative report for claims or attorney review.

7. Follow-Up

If the findings raise additional factual questions, further investigative work can be evaluated.

Who We Serve

Insurance Carriers

Carriers may request investigative support when a claim requires independent verification, claimant surveillance, activity documentation, scene investigation, or other fieldwork.

Insurance Defense Counsel

Defense attorneys may use investigators for claimant surveillance, witness development, scene documentation, public-record research, evidence gathering, and other factual investigation related to a claim or litigation matter.

Third-Party Administrators

TPAs may use investigative services when information within a claim requires field verification or additional documentation.

Self-Insured Organizations

Self-insured organizations can request investigative support involving workers’ compensation, liability claims, employee activity, and questionable claim circumstances.

Claims & SIU Professionals

Claims and SIU professionals may use field investigators to supplement internal file review when specific facts require independent documentation.

Why Use a Professional Insurance Defense Investigator?

A claim file can contain substantial information while still leaving one important question unanswered.

That question may require someone to:

A dedicated investigator gives the claims or legal team additional field capacity while allowing counsel and claims professionals to remain focused on their respective responsibilities.

The distinction matters. Investigators develop and document facts. Attorneys evaluate legal issues. Claims professionals assess claims within their roles and authority. Medical professionals address medical questions.

Why Mayn Investigations FL?

Mayn Investigations FL identifies itself as a Florida-licensed, bonded, and insured investigative agency operating under Agency License #A3400126. The company states that its investigators are licensed in Florida, undergo background checks and proprietary training, and operate within applicable legal requirements. It also identifies military or law-enforcement backgrounds among its investigators.

President and Lead Investigator Alexander Maynfeld has more than 10 years of investigative experience involving workers’ compensation, surveillance, SIU, disability, insurance fraud, auto accidents, and corporate and financial fraud matters.

The agency provides investigative services throughout Florida, including Orlando, Tampa, Deltona, Sanford, Lakeland, Melbourne, Jacksonville, West Palm Beach, Cocoa Beach, Naples, St. Petersburg, Clearwater, and surrounding communities.

For insurance defense assignments, the focus is on matching the investigative method to the question that needs to be answered and documenting the resulting information clearly.

Frequently Asked Questions

What are insurance defense investigations?

Insurance defense investigations are investigative services performed to develop factual information relevant to an insurance claim or related legal matter. Depending on the assignment, the work may involve claimant surveillance, workers’ compensation investigations, activity checks, witness interviews, scene investigations, employment verification, public-record research, or SIU support. The investigator documents observations and findings for review by the carrier, claims professional, SIU team, or defense counsel. The investigation supplements the existing claim file and does not replace legal, medical, or claims analysis.

What does an insurance defense investigator do?

An insurance defense investigator conducts fieldwork and research around specific questions involving a claim. The investigator may conduct surveillance, locate witnesses, document an accident scene, research public records, verify employment or business activity, interview witnesses, or gather other relevant information through lawful methods. The resulting documentation can help claims professionals and defense counsel evaluate facts that may not be fully addressed in the existing claim file.

When should an insurance company hire a private investigator?

Investigative support may be appropriate when a claim contains factual questions that require independent verification. Examples include questionable claimant activity, disputed accident circumstances, difficult-to-locate witnesses, changing scene conditions, employment inconsistencies, or potential fraud indicators. Investigating early can also be useful when physical conditions or other sources of information may change. The appropriate timing depends on the specific claim and what the carrier or defense team needs to establish.

What is claimant surveillance?

Claimant surveillance involves discreetly observing and documenting a subject’s observable activities for a legitimate investigative purpose. Depending on the assignment, the investigator may document physical activity, employment activity, travel, vehicle use, recreational activity, or other conduct relevant to the claim. Video, photographs, activity logs, and chronological reports may be produced. Surveillance provides documented observations for claims or legal review. It does not independently determine whether a claimant has committed fraud.

Can a private investigator investigate workers’ compensation claims?

Yes. Mayn Investigations FL provides workers’ compensation investigations that can include surveillance, activity checks, employment or business-activity verification, and other lawful investigative methods. The investigator documents relevant observations so claims professionals and defense counsel can consider them alongside medical records, statements, and other claim information. Investigative findings do not replace medical or legal analysis.

What is an SIU investigation?

An SIU investigation provides investigative support to a Special Investigation Unit when circumstances surrounding a claim warrant additional review. The investigation may address conflicting statements, questionable activity, unusual claim circumstances, suspected staged accidents, employment inconsistencies, or other potential fraud indicators. The investigator’s role is to gather and document relevant facts that can be reviewed by the SIU or claims team. The investigation itself does not automatically establish fraud.

Can an investigator conduct a premises liability investigation?

Yes. A premises liability investigation can document the accident location, physical conditions, lighting, visibility, access points, measurements, nearby businesses, potential witnesses, and other relevant circumstances. Scene documentation may be particularly useful when property conditions can change after an incident. Investigative findings provide factual information for the client or legal team and do not independently determine liability.

Can investigators interview witnesses for an insurance claim?

Investigators can identify and attempt to contact potential witnesses and conduct interviews when appropriate. Witnesses may provide information concerning an accident, claimant activity, property conditions, timelines, or other relevant facts. Recorded statements may be obtained when appropriate and with the necessary consent or authorization. Cooperation cannot be guaranteed, but witness development can uncover information that is not contained in the original claim file.

Can investigators conduct social-media investigations?

Investigators can research publicly accessible social-media information when it is relevant to a lawful investigation. This can include public photographs, videos, employment information, business affiliations, public statements, and publicly displayed activities. Investigators should not access private accounts, passwords, private messages, or restricted information without proper authorization. Findings from public sources should be documented so the client can understand what was located and why it may be relevant.

How much does an insurance defense investigation cost?

The cost depends on the scope of the assignment. Factors can include surveillance hours, travel, location, research requirements, witness work, scene documentation, the number of investigators required, and the complexity of the claim. A focused activity check will have different requirements from a multi-day surveillance assignment or broader liability investigation. A confidential case review allows the investigative scope and anticipated requirements to be discussed before work begins.

Request an Insurance Defense Investigation

A claim does not always contain every fact needed for a thorough evaluation.

If your insurance carrier, defense team, TPA, SIU department, or self-insured organization needs claimant surveillance, workers’ compensation investigation, activity checks, witness development, scene investigation, employment verification, or other insurance defense investigative services, Mayn Investigations FL can review the assignment and discuss an appropriate investigative approach.

Request a Confidential Case Review

Request Claimant Surveillance

Discuss an Insurance Defense Investigation

Speak With an Investigator

Call (321) 340-3280 to discuss the claim and determine what investigative support may be appropriate.

Mayn Investigations FL operates under Florida Agency License #A3400126 and identifies itself as licensed, bonded, and insured in Florida.