Root Cause and Cost SavingsWhen Claims Don't Add Up
Technical forensics for insurance carriers.We find the truth, so you can make confident claim decisions.
In Insurance, Settling the Wrong Claim Costs You Twice
First, you pay out on a fraudulent or exaggerated claim. Then, your loss ratios climb, your premiums increase, and your competitive position weakens. The cost of not knowing the truth compounds over time.
Every questionable claim is a risk management decision: settle fast to avoid legal costs, or investigate to determine if you're being taken advantage of. Too often, carriers settle because they lack the technical capabilities to determine what really happened.
That's where TKOResearch comes in. We deploy hybrid digital and physical forensics to determine root cause—the actual technical reason for the loss. Was the fire caused by a covered peril, or by the policyholder's negligence? Did the data breach result from a sophisticated attack, or from failure to implement basic security controls? Was the contamination real, or fabricated?
Led by a former NSA specialist with nearly two decades of forensic experience, TKOResearch applies government-grade investigative techniques to insurance claims. We give you the technical evidence you need to make confident claim decisions—pay, deny, or negotiate—backed by defensible forensic analysis.
Root Cause Determination
Technical forensics to identify the true cause of loss—not just what the claimant says happened.
Cost Savings & Loss Prevention
Reduce claim payouts by identifying fraud, exaggeration, or pre-existing conditions. Lower loss ratios.
Subrogation Support
Identify liable third parties with evidence that supports recovery actions and reduces net losses.
Defensible Findings
Chain-of-custody documentation and expert analysis that withstands legal challenges from claimants.
How We Reduce Your Loss Ratios
Real scenarios where root cause analysis delivers cost savings.
Product Contamination Claims
The Problem
A claimant alleges your insured's product caused illness or property damage. The claim amount is substantial, but the claimant's story has inconsistencies. You need technical proof before settling or denying coverage.
What We Do
We perform materials testing, timeline reconstruction, and environmental analysis to determine if contamination actually occurred—and if so, when and how. We analyze samples, review manufacturing records, and examine handling procedures to identify the true source.
Root cause determination with scientific evidence that either validates the claim or proves contamination occurred after the product left your insured's control. Significant cost savings through accurate claim decisions.
Cyber Insurance & Data Breach Claims
The Problem
A policyholder claims a data breach resulted in significant losses. You need to verify the breach occurred, determine the scope, assess whether proper security controls were in place, and validate claimed damages.
What We Do
We deploy digital forensics to verify the breach, identify the attack vector, determine the timeline, and assess what data was actually compromised. We evaluate whether the policyholder met their security obligations under the policy and whether claimed damages are legitimate.
Clear determination of coverage obligations with technical evidence that supports your claim decision. Identify subrogation opportunities against negligent vendors or service providers.
Equipment Failure & Property Damage
The Problem
A business interruption claim alleges equipment failure caused by a covered peril. The claim is large, but you suspect the equipment was poorly maintained or past its service life. You need proof before paying out.
What We Do
We perform forensic analysis of failed equipment, examining components for wear patterns, maintenance history, and failure modes. We determine whether failure resulted from a covered peril or from neglect, improper use, or pre-existing conditions.
Technical determination of failure causation that either validates coverage or proves the loss resulted from excluded causes. Defensible basis for claim denial or reduced payout.
The ROI of Technical Forensics
Hiring a forensic investigator might seem expensive—until you compare the cost to what you save by avoiding a bad claim decision.
Example Cost Analysis
Without Forensics
- âś— Settle $250,000 claim without investigation
- âś— Pay additional $75,000 in attorney fees defending lawsuit
- âś— Increased loss ratio affects future premium pricing
- Total Cost: $325,000+
With Forensics
- ✓ Investigation cost: $15,000–$25,000
- âś“ Technical proof of fraud or pre-existing condition
- âś“ Confident claim denial with defensible findings
- Net Savings: $230,000+
One successful fraud detection pays for years of forensic investigations.
Beyond direct cost savings, technical forensics gives you confidence in your claim decisions. You can explain to regulators, reinsurers, and stakeholders why you denied a claim or reduced a payout—because you have scientific evidence, not just suspicion.
The Founder's Circle
Elite retainer access to boutique cyber-physical forensics. When minutes matter and discretion is paramount.
Priority Intake
Jump the queue. Your matters receive immediate triage and scheduling priority.
4-Hour Response SLA
Guaranteed initial response within 4 hours. Emergency on-site deployment available.
Direct Access
Direct Signal/SMS line to the Forensic Director. No intermediaries, no delays.
Retainer Exclusivity
Pre-committed capacity reserved exclusively for your organization's needs.
Absolute Discretion
Enhanced confidentiality protocols and secure communications for sensitive matters.
Principal-Level Work
Every engagement handled directly by our principal—no delegation to junior staff.
We are currently accepting only 6 retainer clients for 2026. Secure your 4-hour response slot before capacity fills.
Inquire about Founder's CircleStop Paying Claims Based on Guesswork
Get technical proof of root cause before you make your next claim decision.