Claims Property Adjuster Special Investigations Unit (SIU) Investigator - Consultant II

Allstate Insurance
United States, California
Jul 02, 2025
At Allstate, great things happen when our people work together to protect families and their belongings from life's uncertainties. And for more than 90 years our innovative drive has kept us a step ahead of our customers' evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection. Job Description This job is responsible for investigating and analyzing highly 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 large or significant losses and claims involving highly complex extra-contractual liability, large fire and property losses where suspicious activity has been identified. The individual performs a thorough investigation including; (1) conducting background searches, scene investigations, and clinic inspections; (2) taking recorded statements; (3) reviewing and analyzing medical notes, bills and property damage; (4) and conducting witness interviews and social media searches. The individual reviews whether fraud can be substantiated and supports a lawsuit. At this level, the individual is expected to handle the most complex or specialized claims or claims involving significant dollar exposure or customers. This role is open to those in Pacific or Mountain time only Key Responsibilities * Conducts thorough investigations of highly complex, multi-discipline claims and Excess Coverage Liability (ECL) claims that are potentially fraudulent to determine if payment is warranted * Utilizes analytic tools or SIU field intelligence to identify highly complex claims for investigation and/or for support in the evidence of the fraud and damages * Summarizes documents and enters into claim system notes, documenting a claim file with notes, evaluations and decision making process * Manages, researches, and resolves highly complex customer communications, concerns, conflicts or issues * Makes claim decisions regarding highly complex investigations, and pursues restitution * Reviews investigations with fraud outcomes to validate whether denial is appropriate * Conducts highly complex site inspections, including body shops, medical clinics, loss locations etc. * Conducts highly complex online data application searches, research, and evaluation * Manages vendor relationship and oversees vendor performance * Oversees file quality Investigative Consultant Preferred qualifications Licensing 4-year bachelor's degree preferred but not required Prior SIU experience 5 years if prior property claims handling experience (including pending management experience) You must reside in the United States to be eligible for this position. This position is not available for Alaska or Hawaii residents. Supervisory Responsibilities * This job does not have supervisory duties. #LI-MS3 Skills Analytical Thinking, Claims Management, Claims Processing, Conducting Investigations, Critical Thinking, Customer Service, Fraud Investigations, Information Gathering, Insurance Investigation, Time Management Compensation Compensation offered for this role is $57,500.00 - 100,212.50 annually and is based on experience and qualifications. The candidate(s) offered this position will be required to submit to a background investigation. Allstate generally does not sponsor individuals for employment-based visas for this position. Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component. For jobs in San Francisco, please click "here" for information regarding the San Francisco Fair Chance Ordinance. For jobs in Los Angeles, please click "here" for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance. To view the "EEO is the Law" poster click "here". This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs To view the FMLA poster, click "here". This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint. It is the Company's policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee's ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.