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PDR / Legal and insurance work / Insurance claim evidence

Insurance claims · evidence work from Plymouth

Insurance claim evidence, Plymouth. A hash value may be verified, but a film of a monitor cannot.

A loss adjuster is not checking your integrity. The question being asked is whether the file before them is truly what it says it is, and this is determined by the recorder's own export, hash values taken on it, and documentation of how it was removed from the disk. Claims work is civil in nature, so the statutory Code of the Forensic Science Regulator (which covers criminal prosecutions in England and Wales) does not govern it. We also record whatever would not read.

Outside the Regulator's criminal regime The recorder's native export Findings, and what is missing

A quiet word first?
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What an adjuster can actually test.

The container the box wroteRecorders create files in their own proprietary formats, and many standard players will reject such files. If you re-encode the file, or point a camera at the screen displaying it, the pixels, timing and frame references will all be changed. This is why we take off the native file and add a copy of it that will open anywhere.
The clock on the boxMore claims revolve around this than anything else held on the disk. Clocks drift, get entered incorrectly during initial setup, and are very often never corrected for British Summer Time. A stamp of 02:10 does not necessarily mean it happened at 02:10. During acquisition we measure the offset against a reference clock and document the figure.
Continuity on paperAn exhibit reference number, MD5 and SHA-256 hash values at each end, a dated log of each handover, and notes made while the work was going on. Anything produced from the master carries a reference unique to itself.
What would not readAn adjuster receives no benefit from a report that ignores the gaps. Material already overwritten is not coming back. Encrypted material without its key is not coming back either. Footage never recorded by the box cannot be produced at all. We identify which applies, and flag any surviving images without their timings.

Five claims where this comes up.

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The claimWhat reaches the benchWhat it can show
Theft, or a forced entryThe recorder unit itself (or the disk from a failed one)The period around it, exported in the format the box wrote it
A machine caught by fire or waterThe disk from a burned-out or water-damaged office towerSchedules, invoices and photographs still held on it
A vehicle or a fleet claimThe dashcam's own card, not a clip passed onThe camera's whole data file (including the GPS, speed and sensor channels) which a forwarded MP4 would throw away, along with a note detailing what the shared copy is missing
A business proving what it lostThe disk those records sat onA hashed list of everything still readable, and a plain account of what the disk cannot tell anybody any more
Liability being argued overA recorder each side believes supports its own versionOne set of exports issued the same to both, with a method plain enough for either to recreate it
Sending it to us: once you have your quote, our intake lab in Bristol takes tracked, insured post, and we pay to send it back to you. If you'd like to talk packing through with an engineer before you post it, give us a call. There's more detail on our contact page.

Each stage, in turn.

Every job written up →
01

A confidential call first, then a written price Free

Call us and tell us as much or as little as you like. The call costs nothing. It needs to establish what the matter is: what happened, which devices and accounts are involved, and what question the evidence has to answer. That defines the scope. One written figure follows from it, and you get that before anything is opened.

Kept in confidenceA single written figureThe question to be answered
02

Take the recorder out of service

Left powered, a recorder keeps writing, and its oldest content is overwritten by newer content. Claims move much more slowly than this cycle. You cannot find the time remaining in a manual either, because it depends on disk size, channel count, resolution and how the box was set up. Turn the recorder off first, then ring us.

Recording halted in timeA hold notice on file
03

Who can lawfully authorise it

Unauthorised access to a computer is an offence under section 1 of the Computer Misuse Act 1990. Therefore every job includes a note of who authorised it and on what footing. Landlords, employers and owners of vans do not hold equal positions.

Authority recordedComputer Misuse Act checked
04

Exported as the box recorded it

Two files are returned to you. The first is the native export from the recorder, along with whatever player opens it; the second will work on any machine. The conversion between these formats is recorded, not buried within a viewer. Each file has MD5 and SHA-256 taken on it, and the difference between the recorder's clock and a reference time is documented in the report.

Native export, plus a playable copyClock offset stated
05

Every exhibit, hash and log

Anything the other side can't check is something to argue over. So we put together a bundle that can be checked: exhibit references, the images each finding was read from, every handover with its date, hash values, and the notes made during the examination. Their own examiner can repeat the work and reach the same result.

Findings, and the exhibits behind themHashes kept, each move recordedAnyone can retrace it

What the work keeps showing

  • Proving loss is another job: if a holiday let or a farm office loses its records, they still need to show what was stored on the machine. We report what survived and what the disk itself recorded. A list of files that have gone cannot be made up.
  • There must be someone entitled to consent: a landlord, an employer and the owner of a van all stand differently, and the question is asked before a disk is removed from its housing.
  • The box will not stop recording for a claim: a yard gate keeps writing whatever the insurer is doing. Once you've stopped the recording, you'll have time for the rest.
  • An unmentioned method is a hole: if the report doesn't say who made the copy, and how, the opposing party will probably bring that up before you do.

Important to know before you instruct anyone: version 2 of the Regulator's statutory Code applies from 2 October 2025. It names ISO/IEC 17025 as the standard for obtaining data from digital storage and for recovering CCTV footage, where that is done for a criminal prosecution in England and Wales. None of this describes a claim under a policy. We do not hold any accreditation of any kind, and that statement opens every report we prepare.

A job out of the casebook.

PL · PLY-2026-0860FILED ✓

A Truro loading bay, a disputed date, and a clock that hadn't been adjusted for BST

A haulier and a food supplier were unable to agree on the date a pallet was damaged. The only record of the incident was on the yard gate recorder. Its clock had never been adjusted for BST. We measured the offset, exported the native data, and included both figures in our report. The claim settled after exchange.

Finalised post-exchangeCPR 35 start to end

Before you seal the box.

Get these done

  • Turn off the recorder today: every hour it runs costs you material
  • Give us the policy or claim reference
  • Provide details of who owns the box, and who may authorise the work
  • Do not send us a forwarded clip. Once you have your quote, send us either the box or the disk from it.

What to avoid

  • Connect the recorder's disk to a Windows machine
  • Let an installer factory-reset the box to revive it
  • Aim your phone at the display and send in what it captures
  • Wait for the insurer before stopping the recording

The questions callers ask most.

Must an insurance claim use an accredited examiner?

No. ISO/IEC 17025 is the standard set by the Regulator's Code for this work where it is done in support of a criminal prosecution in England and Wales. A claim is a civil matter and therefore falls outside that requirement. We do not hold any accreditation, and regardless, page one of every report we produce says so. If a claim later turns into a criminal case, we will write and tell you the ground has shifted.

Why will a video of the screen not do?

Because it has gone round a monitor, through a phone lens, and been encoded again. Neither the timing nor the data recorded by the box survives this journey. What an insurer wants to see is material produced by the box itself, with a hash on it.

Can you show which files were lost?

We can identify what remains readable, and report what the disk itself records about the rest. When something has been overwritten, that is exactly what our report will state. There is no guessing.

Whose permission is needed to examine it?

Someone who is entitled to give it. The Computer Misuse Act 1990 (section 1) makes unauthorised access to a computer an offence, so the basis for the job is documented every time. A landlord, an employer and the owner of a van do not all stand equally. Neither does a driver.

Claims move on dates, and dates do not wait.

Insurers' timelines rarely change, so the sooner the evidence is imaged and documented, the more of it survives the deadline. Begin here. The first look is free, and what you tell us goes no further.

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