See exactly what you receive.
Below is a redacted exemplar of the actual coverage-map report our investigators produce. No marketing fluff, no upsell pages — just the structured deliverable that drops into your damages workup. Real format, real headings, real attestation language.
1. Engagement summary
2. Subject of search
3. Coverage tower identified
Total coverage identified: $2,250,000. Across three layers — primary auto, personal umbrella, and excess umbrella. Defense disclosure at intake referenced only the primary auto policy.
| Layer | Carrier | Policy # | Limits | Effective | Source |
|---|---|---|---|---|---|
| Primary autoBI per accident | State Farm Mutual | [Confirmed disclosable] | $250,000 / $500,000 | In force 2026-02-14 | FL DFS verification · DPPA §2721(b)(4) |
| Personal umbrellaFollow-form | State Farm Lloyds | [On file] | $1,000,000 | In force 2026-02-14 | Carrier verification · GLBA §6802(e)(3) |
| Excess umbrellaPersonal · scheduled assets | Chubb Indemnity | [On file] | $1,000,000 | In force 2026-02-14 | Carrier verification · GLBA §6802(e)(3) |
4. Methodology & chain of custody
- 4.1 — Records touched. Florida DFS insurance verification system (DPPA §2721(b)(4) basis logged). State Farm carrier verification line (GLBA §6802(e)(3) — anticipation of litigation). Chubb Indemnity carrier verification (GLBA §6802(e)(3)).
- 4.2 — Cross-source corroboration. Primary policy confirmed against police-report declared insurance. Umbrella layers cross-verified against Florida insurance verification + carrier-side confirmation.
- 4.3 — Records NOT touched. No consumer report pulled (FCRA-protected). No credit-header data accessed. No private financial-account data implicated.
5. Investigator attestation
I, the undersigned, attest under FDACS license FDACS A1800135 that the above search was conducted under the permissible-purpose basis identified in §1, that all records touched are logged in §4, and that the coverage identifications in §3 are accurate to the best of my professional knowledge as of the date of issuance. I am available for deposition testimony to attest to this search if required.
Five elements every report contains.
Permissible-purpose basis, case type, turnaround. The legal scaffolding for the rest of the report.
Defendant, vehicle, plate, police report — full identification context.
Layer-by-layer carrier, policy number where lawful, limits, effective dates, and source attribution.
Every record touched, the permissible-purpose basis for each, and what was deliberately NOT touched.
Signed by the licensed investigator. Testimony-ready. The deposition starts and ends with this section.
Want a report this clean on your next case?
No find, no fee. 4–72 hrs standard turnaround. FDACS-licensed investigator. Testimony available.