Take it early
Detail degrades quickly and accounts harden once a claimant retains counsel or compares notes with other parties. An early statement fixes the version of events while it is still the claimant's own recollection rather than a reconstructed narrative.
When a field interview beats a phone call
- The mechanism of loss is disputed or physically implausible as described
- The scene layout matters and the witness can point to what they describe
- The subject has been unresponsive to calls and letters
- A witness is reluctant and more likely to engage in person
- Demeanor, condition, and observed physical capability are relevant
- Documents, photographs, or property need to be viewed at the same time
What in-person adds
An investigator sitting across from a witness sees the yard, the vehicle in the driveway, the brace that is or is not being worn, and the neighbor who walks over to comment. They can ask the follow-up question that only makes sense once they see the layout. None of that reaches a claim file through a phone call.
Consent and representation
Florida requires all-party consent to record, so consent is obtained on the recording before the substantive questioning begins. Represented claimants are not approached directly; those statements are arranged through counsel. Independent witnesses and unrepresented parties can be interviewed with their consent, and a refusal should itself be documented along with verified contact information so counsel can subpoena if needed.