Field SIU Investigator Job at Heritage Insurance

Heritage Insurance Orlando, FL 32807

Job Summary:
This position is responsible to investigate claims to include: property damage exposures, thefts, multiple losses, questionable damage losses, prior losses, third party injuries, and claims made by vendors using Assignments of Benefits.


Essential Duties and Responsibilities:

  • Analyze results of investigations to determine course of action; documents activities of injury and material damage claims handling practices.
  • Conduct in-person interviews and obtain detailed in-person recorded statements from all involved parties.
  • Request, prepare, document, conduct examinations under oath and/or sworn statements including those involving attorney and/or public adjuster representation.
  • Conduct thorough searches using insurance investigative databases, internet resources, and public records to locate parties and collect evidence to determine if potential fraud exists.
  • Obtain, evaluate and summarize law enforcement reports, public records, credit reports, and affidavits in relation to losses including documentation from required parties in accordance to state and federal regulations.
  • Provide synopsis of investigative findings through written reports and recommends whether to take further action.
  • Conduct neighborhood canvases and on-scene examinations to include diagrams, measurements and documentation of damages reported.
  • Analyze photos to investigate alleged damages in relationship to loss.
  • Testify at depositions, hearings and trials.
  • Develop and maintain a rapport with local information networks to include law enforcement, vendors, other insurer claim and SIU representatives, and industry experts.
  • Develop and respond to requests for information to and from external SIU/authorities under appropriate statutes.
  • Report incidences of insurance fraud to authorities in accordance with state laws.
  • Review fire claims and coordinate origin and cause investigations based on the characteristics of the fire event.
  • Communicates with co-workers, management, clients, vendors, and others as needed in a courteous and professional manner.
  • Maintains the integrity of the company and products offered by complying with federal and state regulations as well as company policies and procedures.
  • May perform other duties and responsibilities as assigned.


Job Qualifications:

  • Associate’s Degree required; Bachelor’s Degree preferred. A combination of education and significant directly related experience may be considered in lieu of degree.
  • 620 License required.
  • Detail-oriented with strong organizational skills, able to work well under deadlines in a changing environment and perform multiple tasks effectively and concurrently.
  • Demonstrated ability to manage relationships with both internal and external customers.
  • Demonstrated ability to work effectively under pressure and within a collaborative team oriented environment using sound judgment in decision-making.
  • Excellent communication skills both oral and written with strong analytical skills to effectively investigate suspected insurance fraud.
  • Excellent customer service and solid negotiation skills.
  • Demonstrated proficiency with Microsoft Office products (Excel, PowerPoint, and Word) and claims related software programs.
  • Demonstrated knowledge of coverage, policy interpretation, exposure recognition and liability determination to analyze and move investigations forward.
  • Understands and able to interpret property damage and bodily injury claims terminologies and processes.
  • Must be able to travel daily within assigned geographical areas.
  • Ability to develop and present fraud related training programs.
  • Ability to work with minimal supervision and manage an active caseload.
  • Demonstrated customer service focus / superior customer service skills.
  • Demonstrated customer service focus / superior customer service skills.
  • Investigative experience.
  • Ability to use public record systems and/or claims databases to support investigations.
  • Detail-oriented and exceptionally organized.
  • Proficiency in establishing, documenting, and pursuing appropriate investigative strategies.
  • Ability to climb, kneel, and crawl required; may work in confined spaces.
  • Ability to stand for extended periods of time, up to three hours.
  • Ability to lift and move items up to thirty lbs. alone; more with assistance from a partner.
  • Ability to work in exterior and non-conditioned environments.

General Information:
All employees must pass a pre-employment background check. Other checks may be needed based on position: driving history, credit report, etc.

The preceding job description has been designed to indicate the general nature of work performed; the level of knowledge and skills typically required; and usual working conditions of this position. It is not designed to contain, or be interpreted as, a comprehensive listing of all requirements or responsibilities that may be required by employees in this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Heritage Insurance Holdings, Inc. is an Equal Opportunity, Affirmative Action Employer. We will not discriminate unlawfully against qualified applicants or employees with respect to any term or condition of employment based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, place of birth, military service status, or other basis protected by law.



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