Field SIU Investigation Property/Casualty at Allstate

Field SIU Investigation Property/Casualty

National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers' evolving needs. We offer home, auto and accident and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers.

As a Field SIU Investigation Property/Casualty you will be responsible for investigating and analyzing complex, multi-discipline coverage and claims that have been referred to the special investigation unit (SIU) for potential fraud. This role typically handles a combination of complex attorney represented and unrepresented claims and moderate to complex losses, in which suspicious activity has been identified. The individual performs a thorough investigation including; conducting background searches, scene investigations, and clinic inspections; taking recorded statements; reviewing and analyzing medical notes, bills, and property damage; and conducting witness interviews and social media searches. The individual conducts surveillance on property and/or creates scene reconstructions on some investigations and reviews whether fraud can be substantiated and supports a lawsuit. The individual provides work guidance and direction to less senior employees and provides mentoring and coaching to the team.

We are seeking an experienced Field SIU Investigator to handle a variety of field-based investigative claims across multiple lines, including personal auto, property, homeowners, and casualty. The ideal candidate will have direct SIU experience working for an insurance carrier, along with a strong background in property or casualty investigations, or a solid foundation in law enforcement field investigations. This role requires someone who is comfortable working independently in the field, conducting thorough and detailed investigations, and adapting to changing priorities. Strong attention to detail, investigative curiosity, and the ability to stay organized are essential for success. Candidates must reside within close proximity to service claims in areas south of Baltimore, Maryland, including Fort Meade or Waldorf.

Key Responsibilities

• Enters SIU claim data information into multiple SIU systems
• Reviews investigations with fraud outcomes to validate whether denial is appropriate
• Updates files with investigation outcome, and when no fraud or insufficient evidence is found, returns file to MCO for further handling and settlement
• Conducts complex online data application searches, research, and evaluation
• Conducts complex site inspections, including body shops, medical clinics, loss locations etc.
• Conducts thorough investigations of complex that are potentially fraudulent to determine if payment is warranted, including scene investigations and surveillance as needed
• Validates that the information provided and obtained through investigation is true and accurate and follows up on all possible leads
• Summarizes documents and enters into claim system notes, documenting a claim file with notes, evaluations and decision-making process
• Utilizes analytic tools or SIU field intelligence to identify complex claims for investigation and/or for support in the evidence of the fraud and damages
• Researches and responds to complex customer communications, concerns, conflicts or issues

Supervisory Responsibilities

• This job does not have supervisory duties.

As a requirement of employment, individuals who currently hold an active insurance license must terminate all existing appointments prior to onboarding and must not hold any outside appointments at any point during employment. Applicants seeking an adjuster role who also hold a resident producer license must formally surrender that license when instructed to by the licensing team. By proceeding with the application process, applicants acknowledge and accept these licensing requirements and agree to comply.

Skills: Adaptability, Analytical Thinking, Documentations, Evidence Gathering, Field Investigations, Insurance Claims Investigations, Law Enforcement, Organizing, Property & Casualty Insurance, Property Damage, Surveillance

Compensation: Base compensation offered for this role is: SIU Investigator Cons I: $60,000.00 - 87,400.00/salary SIU Investigator Cons II: $62,100.00 - 92,700.00/salary SIU Investigator Sr Cons I: $68,500.00 - 104,100.00/salary Compensation is based on experience and qualifications. Total compensation for this role may include additional components, such as incentive pay (for example, commission or bonus), if applicable.

Joining our team isn't just a job it's an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger a winning team making a meaningful impact.