Workers' Comp Investigator Florida & North Carolina

Workers’ Compensation Investigation Support

JRS Investigations provides lawful, objective fact-finding for insurers, employers, third-party administrators, attorneys, and other authorized clients involved in workers’ compensation matters. The investigator’s role is to document relevant facts—not to decide whether a claimant is truthful, medically capable of work, or legally entitled to benefits.

Every assignment should have a legitimate purpose and a clearly defined scope. Investigative findings are evaluated alongside medical evidence, employment records, policy terms, and applicable law by the responsible professionals. No claim decision or litigation outcome is guaranteed.

Free Confidential Workers' Compensation Investigation Consultation

Workers’ Compensation Investigation Services

Lawful surveillance: Document publicly observable activity from public places or other authorized locations without trespassing or provoking conduct.
Claim and timeline review: Organize supplied incident reports, dates, job duties, restrictions, and other records to identify factual questions for follow-up.
Witness interviews: Seek voluntary statements from appropriate witnesses without pressure, deception, or claims of official authority.
Open-source research: Review relevant publicly available information while respecting privacy settings and access restrictions.
Scene and activity documentation: Photograph or video accessible locations and observable conditions when lawful and relevant.
Employment and records research: Examine legally available public records or information properly supplied by the client or counsel.

JRS Investigations does not obtain private medical records without valid authorization, make medical diagnoses, access private accounts, use unlawful tracking, or guarantee that evidence will be admissible.

Florida and North Carolina Workers' Compensation Fraud Rules

In Florida, Chapter 440 makes it a crime to knowingly make a false, fraudulent or misleading statement to obtain workers' compensation benefits (Florida Statute 440.105), and an employee who does so is not entitled to benefits (440.09(4)). Suspected comp fraud is reported to the Division of Investigative and Forensic Services under Florida's Chief Financial Officer. In North Carolina, willfully making a false statement or representation to obtain benefits is a crime under N.C.G.S. 97-88.2, and claims are decided by the North Carolina Industrial Commission.

Those standards turn on specific facts: what the claimant said about their limits, and what they were actually doing on given days. JRS documents those days from lawful public vantage points and reports exactly what was seen, so the adjuster, the treating or examining physician and defense counsel can compare it with the restrictions on file.

Who Works Your Workers' Compensation Claim

JRS Investigations is owned and run by Jody Stacy, a private investigator and former police officer at both the state and federal level, with more than 25 years of experience. Florida agency license A 2400330; North Carolina PI license 906236. Over the years JRS has handled claimant and injury surveillance for insurers, employers and law firms in South Florida, the Treasure Coast and the Florida Keys, along with locates of witnesses and claimants for attorneys.

Questions Adjusters, Employers and Attorneys Ask

How much does a workers' comp surveillance assignment cost?

In Florida, investigation and surveillance time is $125 per hour against a retainer, plus documented expenses; the hours depend on how many days you want covered and how far the claimant lives from the work site. North Carolina assignments are quoted after the free consultation.

Can you watch a claimant going to a medical appointment or IME?

An investigator can document arrival, departure and activity in public areas such as a parking lot, but does not follow anyone into a medical office or record inside it. The more useful days are usually ordinary ones: errands, yard work, a second job or weekend activity that can be compared with the claimed restrictions.

Do you use the claimant's social media?

Only what is public. JRS reviews and preserves publicly visible posts, photos and check-ins with dates and links, and does not friend, follow or message a claimant under a false identity to see private content.

How many days of surveillance does a claim usually need?

It depends on the question. A claim tied to a specific activity or event may need one well-timed day; a general activity check is better spread over two or three days, including a weekend, so the report shows a pattern rather than one good or bad day.

Investigations are conducted to clarify relevant facts for a balanced claim review.

Claimant Surveillance Reports Built for Adjusters and Counsel

An investigation should test specific factual questions rather than begin with a conclusion of fraud. Activities observed on a particular date may have more than one explanation and do not, by themselves, establish a person’s medical capacity, credibility, or entitlement to benefits.

Reports identify dates, times, locations, observations, source limitations, and relevant media. They distinguish firsthand observations from information supplied by others and avoid medical or legal conclusions. The client, medical professionals, counsel, and the appropriate decision-maker determine how the findings should be interpreted.

Why Insurers, Employers and Defense Attorneys Use JRS on Comp Claims

Verify specific facts: Address focused questions about incident circumstances, work activity, publicly observable conduct, or reported timelines.
Preserve an independent record: Create time-stamped notes, photographs, and video that clearly identify what was and was not observed.
Locate and interview witnesses: Develop lawful contact information and request voluntary factual statements.
Reduce legal and privacy risk: Use trained investigators who understand public-vantage surveillance, trespass limits, privacy restrictions, and evidence handling.
Support balanced claim evaluation: Document information that may confirm, clarify, or contradict an allegation rather than pursuing only one outcome.

Surveillance Boundaries

Investigators do not enter homes or other private spaces without permission, look through windows into areas where privacy is reasonably expected, harass or repeatedly confront a subject, access private social-media content, use pretexting to obtain protected information, or continue an assignment that lacks a legitimate purpose.

Clear Scope, Discreet Work, Factual Reporting

Defined objectives: The proposed scope, schedule, locations, budget, and reporting needs are discussed before work begins.
Lawful methods: Surveillance and research are limited to authorized, proportionate methods permitted by applicable law.
Accurate reporting: Reports describe what was actually observed and disclose material limitations.
Confidential handling: Client information and investigative materials are handled discreetly, subject to legal and professional obligations.
No promised outcome: JRS Investigations does not guarantee evidence of fraud, denial of a claim, settlement leverage, admissibility, or a favorable result.

Workers' Compensation Investigations in Florida and North Carolina

Florida. Workers' compensation is governed by Chapter 440, Florida Statutes. Section 440.105 makes it a crime to knowingly make a false, fraudulent or misleading statement to obtain or deny benefits, and suspected fraud can be referred to the Florida Department of Financial Services. JRS Investigations works under Florida Agency License A 2400330 and reports observations so the carrier, employer or attorney can decide whether a referral is warranted.

North Carolina. Claims are administered by the North Carolina Industrial Commission under Chapter 97 of the General Statutes, and N.C.G.S. 97-88.2 sets penalties for knowingly making false statements to obtain or deny benefits. JRS works in North Carolina under PI License 906236.

In both states the investigator documents facts; the adjuster, physician, Judge of Compensation Claims or Industrial Commission decides what they mean. Call (888) 737-7690 to discuss a claim.