Surveillance is never conducted unless there is a reasonable expectation the subject is present. Preliminary public records searches are encouraged, for maximum results. Your statements should only be taken by someone who knows what facts can affect the value of your claim. My professional background as an insurance adjuster handling Workers' Comp, General and Auto Liability, and nearly every sort of casualty claim.
Most private investigators have a law enforcement background.
While the benifits of their training are evident, they are nonetheless, generally unfamiliar with the insurance industry.