Tile and Stone Insurance Loss Investigation
At Tile and Stone, we understand that dealing with insurance claims investigations can be stressful—especially when it involves your home, commercial property, or a legal dispute. That’s why we’ve dedicated over 24 years to mastering the art and science of tile and stone insurance loss investigation. Our team works closely with insurance companies, insurers, attorneys, adjusters, and plaintiffs, ensuring every insurance claim investigation is handled with precision, transparency, and full regulatory compliance.
When you choose Tile and Stone, you’re not just getting another investigation service—you’re partnering with a team that understands both the technical details of tile and stone assemblies and the legal complexities of insurance coverage. We’re committed to uncovering the facts, preventing insurance fraud, and protecting the reputation of carriers and insurance companies by delivering accurate, evidence-based reports that support fair and just claim decisions.
We perform investigations for all types of insurance claims involving residential or commercial tile or stone installations nationwide. Whether you’re an adjuster processing a claim or a property owner who has submitted one, our experience ensures we can handle every scenario—water damage, fire, structural issues, accidental damages, and more—with unmatched expertise and integrity.
When you choose Tile and Stone, you’re not just getting another investigation service—you’re partnering with a team that understands both the technical details of tile and stone assemblies and the legal complexities of insurance coverage. We’re committed to uncovering the facts, preventing insurance fraud, and protecting the reputation of carriers and insurance companies by delivering accurate, evidence-based reports that support fair and just claim decisions.
We perform investigations for all types of insurance claims involving residential or commercial tile or stone installations nationwide. Whether you’re an adjuster processing a claim or a property owner who has submitted one, our experience ensures we can handle every scenario—water damage, fire, structural issues, accidental damages, and more—with unmatched expertise and integrity.
What Is Involved in the Investigation Process
Our comprehensive insurance claims investigation process involves several detailed steps that address legal, policy, and technical aspects to support liability, damages, and negligence determinations.
Step-by-Step Process
Initial Claim Review
Step-by-Step Process
Initial Claim Review
- Analyze the insurance claim, insurance policy, and coverage details.
- Review accident reports, potential fraud, and information from all parties involved, including lawyers and witnesses.
- Verify good faith actions from both insurers and insured parties, preventing bad faith allegations.
Assigning an Adjuster or Investigator
- A licensed adjuster or attorney may be assigned to review claims related to vehicle insurance, car accident claims, or home insurance.
- Special Investigation Units handle suspected insurance fraud or product liability cases.
On-Site Inspection and Scene Evaluation
- Conduct physical inspection of damaged property, vehicles, or accident scenes.
- Assess water damage, fire damage, or structural failure to evaluate repair feasibility and insurance coverage applicability.
Interviews and Witness Statements
- Interview insured parties, plaintiffs, witnesses, and lawyers to collect reliable information.
- Validate evidence and identify discrepancies that could indicate fraud or comparative negligence.
Material and Policy Evaluation
- Examine tile or stone materials for quality, origin, and repair feasibility.
- Cross-reference with the insurance policy to determine liability and ensure compliance with law.
Cost and Damages Assessment
- Calculate repair and replacement costs considering damages caused by accidents, truck collisions, or car accidents.
- Include considerations for personal injury, property insurance, and life insurance claims when applicable.
Regulatory and Legal Compliance
- Follow state regulations for insurance claim investigations.
- Ensure communication, evidence handling, and payment processes align with legal requirements to avoid bad faith disputes.
Final Investigative Report
- Deliver comprehensive reports with supporting evidence.
- Provide expert documentation for lawsuits, arbitration, and legal proceedings.
Types of Insurance Losses Investigated
Tile and Stone handles diverse insurance claims, ensuring property insurance, vehicle insurance, and life insurance losses are accurately evaluated. Our investigations cover multiple types of accidents and damages:
We work with all types of parties including insurance adjusters processing claims or home and commercial property owners who have submitted them. There are varying types of damage claims made involving tile and stone which can include:
Water Damages:
We investigate claims of fire and smoke damage to tile or stone. Causes can include damages from house or property fires, smoke and or soot damages from nearby homes or wildfires, and damages from fire and rescue personnel fighting fires.
Fire and Smoke Damages:
We investigate claims of remediation damage to tile or stone. Causes can include damages from remediation services such as scratches when moving or dragging heavy objects, furniture, and appliances, and natural and manufactured slab countertop damages when remediation efforts deemed it necessary to remove supporting cabinetry.
Remediation Damages:
We investigate claims of theft damage to tile or stone. Causes can include scratches or impact damage from moving or dragging heavy objects such as a safe, and other general damages thieves can cause.
Theft Damages:
We investigate claims of accidental damage to tile or stone. Causes can include heavy impact or point loading caused by moving heavy items over a tile or stone floor, impact damages from dropping a heavy object, stains on porous tiles, and natural stone from spillage.
Accidental Damages:
We investigate claims of fire and smoke damage to tile or stone. Causes can include earthquakes, tornados, hurricanes, landslides, and failed structures built improperly.
Structural Damages:
We investigate claims of fire and smoke damage to tile or stone. Causes can include earthquakes, tornados, hurricanes, landslides, and failed structures built improperly.
Benefits of Professional Insurance Loss Investigation
Choosing Tile and Stone ensures:
- Accuracy: Detailed analysis of insurance policies, evidence, and damages for fair claim resolution.
- Fraud Detection: Identifying staged accidents, false injury claims, and insurance fraud.
- Legal Support: Providing documentation and expert testimony for lawsuits, lawyers, and attorneys.
- Regulatory Compliance: Prevents bad faith handling and ensures good faith practices by insurers.
- Risk Mitigation: Helps insurance companies and carriers manage potential product liability and negligence claims.
Types of Insurance Claims Investigated: Key Areas of Focus
- Residential flooring and property damages from water or fire.
- Commercial tile installations and high-traffic property damage claims.
- Countertop replacement and specialty stone assessments.
- Vehicle insurance claims involving car or truck accidents damaging property.
- Multi-party lawsuits involving personal injury, liability, and insurance fraud investigations.
Our Services Include:
We investigate the tile or stone assembly and determine if there is any credible evidence of damages from the claimed loss event.
Determination of Claimed Damages:
We investigate the manufactured or natural tiles for their inherent qualities and make determinations of quality, cost, and sourcing options.
Tile and Stone Quality Determinations:
When repairs are necessary and no extra tiles from the original lot exist, we can identify the tile or natural stone and determine if it can be sourced within a reasonable expectation. When required, we contact and or visit stone suppliers and look for a reasonable matching product.
Tile and Stone Matching:
With our extensive contracting experience, we prepare the cost of repair estimates that will fall within standard industry cost ranges. Whether an Excel spreadsheet, common or proprietary estimating software, we tailor the format of the estimate to our client’s needs.
Cost of Repair Estimates:
When an assembly’s condition is beyond repair, we provide the cost of full replacement estimates for both residential and commercial applications. These can include simple repairs to residential flooring up to complex repairs of exterior adhered veneers on commercial projects.
Cost of Replacement Estimates:
When an assembly’s condition is beyond repair, we provide the cost of full replacement estimates for both residential and commercial applications. These can include simple repairs to residential flooring up to complex repairs of exterior adhered veneers on commercial projects.
Determination of Claimed Damages:
We investigate the manufactured or natural tiles for their inherent qualities and make determinations of quality, cost, and sourcing options.
Tile and Stone Quality Determinations:
When repairs are necessary and no extra tiles from the original lot exist, we can identify the tile or natural stone and determine if it can be sourced within a reasonable expectation. When required, we contact and or visit stone suppliers and look for a reasonable matching product.
Tile and Stone Matching:
With our extensive contracting experience, we prepare the cost of repair estimates that will fall within standard industry cost ranges. Whether an Excel spreadsheet, common or proprietary estimating software, we tailor the format of the estimate to our client’s needs.
Cost of Repair Estimates:
When an assembly’s condition is beyond repair, we provide the cost of full replacement estimates for both residential and commercial applications. These can include simple repairs to residential flooring up to complex repairs of exterior adhered veneers on commercial projects.
Cost of Replacement Estimates:
When an assembly’s condition is beyond repair, we provide the cost of full replacement estimates for both residential and commercial applications. These can include simple repairs to residential flooring up to complex repairs of exterior adhered veneers on commercial projects.
About Tile and Stone
Tile and Stone is a certified, experienced firm specializing in insurance claims investigations with over two decades of industry expertise. Our team has managed complex insurance claims, assisting insurers, attorneys, and adjusters in resolving disputes related to property damage, car accidents, life insurance, and personal injury. We hold recognized credentials, including the Ceramic Tile Consultant (CTC) certification and California contracting licenses (C54 Tile and C29 Masonry), ensuring compliance with industry regulations and law.
Legal and Regulatory Considerations
At Tile and Stone, we know that every insurance claim investigation must meet strict deadlines and follow proper regulatory compliance guidelines. Most investigations are completed within 15–90 days, but delays can lead to bad faith allegations and legal challenges. Complex cases—especially those involving insurance fraud, staged accidents, or suspected negligence—often require a Special Investigation Unit and direct attorney involvement. Our experienced team handles every step with precision, from gathering evidence and conducting interviews to maintaining clear communication with all parties. This approach helps insurance companies avoid unnecessary lawsuits and ensures fair and timely payment resolutions.
Why Choose Tile and Stone
Partnering with Tile and Stone means working with a trusted, legally informed, and highly skilled investigation team. We provide thorough insurance claim investigations designed to protect carriers from insurance fraud, reduce risk, and uphold good faith practices throughout the claims process. With a reputation for accuracy, legal expertise, and transparent reporting, we support insurance companies, plaintiffs, and lawyers in reaching fair settlements while safeguarding policyholder trust.
Conclusion
Successful insurance claims investigations are essential for achieving fair outcomes in cases involving accidents, property damage, personal injury, and potential fraud. With over 24 years of hands-on experience and recognized industry certifications, Tile and Stone delivers reliable, compliant, and evidence-backed investigations that insurance companies, attorneys, and insured parties can trust. Whether it’s vehicle insurance, home insurance, or life insurance claims, our team works diligently to uncover the facts, ensure good faith handling, and protect your reputation while minimizing future risk. If you need expert guidance for your next insurance claim investigation, we’re here to help. Reach out to us with your Tile & Stone consulting needs today at (833) 721-0708 or email info@klaserconsulting.com. Partner with Tile and Stone, where expertise, precision, and integrity lead to fair and effective claim resolutions.