SIU Investigator (Auto & Property Claims)

Make an Impact by Protecting What Matters Most

California Casualty has protected the people who serve our communities for more than 100 years. As a family-owned property and casualty insurer, we are committed to doing the right thing for our policyholders—and to building a supportive, people-first workplace where you can grow your career and make an impact.

Founded in 1914 and owned by the Brown family, California Casualty provides personal lines home and auto insurance to affinity groups including firefighters, educators, law enforcement, and nurses.

At California Casualty, doing the right thing guides everything we do. We act with integrity, support one another, and stay focused on serving those who depend on us. Here, your work matters, your voice is valued, and you are empowered to make an impact every day.

We're seeking an experienced SIU Investigator to join our Special Investigations Unit (SIU). In this role, you'll investigate potentially fraudulent auto and homeowners insurance claims, collaborate with internal and external partners, and help protect our policyholders and organization from fraud-related losses. If you are a skilled investigator with a strong claims background and a passion for uncovering facts, we'd love to hear from you.

What You'll Do

Investigate Suspected Fraud

• Analyze complex auto and homeowners claims to identify indicators of potential fraud.
• Develop and execute investigation strategies on first- and third-party claims involving property damage, bodily injury, uninsured motorist claims, and related exposures.
• Conduct or coordinate investigations through vendors, independent investigators, and other resources.
• Obtain and evaluate interviews, statements, records, inspections, photographs, expert reports, and other evidence.
• Ensure all investigations comply with applicable laws, regulations, and fair claims handling practices.

Analyze Findings & Collaborate

• Evaluate evidence and determine appropriate claim disposition recommendations.
• Partner with claims professionals, customer service teams, insureds, claimants, attorneys, and vendors throughout the investigation process.
• Assist law enforcement agencies and refer cases to State Fraud Bureaus, the National Insurance Crime Bureau (NICB), and other appropriate authorities when warranted.
• Process policy and customer transactions using multiple systems and databases.

Document & Manage Investigations

• Review new SIU referrals and develop strategic investigation plans.
• Maintain accurate claim documentation, investigative reports, and file notes.
• Track investigations through resolution while identifying potential claim exposure and risks.
• Prepare clear, concise reports, correspondence, and management summaries.
• Produce recurring reports and update SIU databases with investigation outcomes.

Promote Fraud Awareness

• Assist in the development and delivery of fraud awareness training programs.
• Conduct file reviews and provide coaching or guidance to claims professionals.
• Maintain knowledge of emerging fraud trends, regulations, and industry best practices through continuing education.

What You'll Bring

Required Qualifications

• High school diploma or equivalent.
• 5+ years of claims experience with strong technical knowledge of first- and third-party property and bodily injury claims.
• 3+ years of Special Investigations Unit (SIU) or insurance fraud investigation experience.
• Demonstrated ability to conduct thorough, timely, and effective fraud investigations.
• Strong knowledge of insurance contracts, claims practices, state regulations, and compliance requirements.

Preferred Qualifications

• Coursework in fraud law or a related field.
• Experience with California SIU regulations.
• Professional industry designations such as FCLA, SCLA, AIC, or equivalent certifications.

Key Skills for Success

• Investigative and analytical thinking
• Fraud detection and risk assessment
• Critical decision-making and problem solving
• Data analysis and research
• Verbal and written communication
• Organization and time management
• Relationship building and collaboration
• Attention to detail and documentation accuracy

Preferred hiring/work states include Arizona, Colorado, Florida, Idaho, Kansas, Missouri, or Texas.

Depending upon education and experience, this position can be filled at either the SIU Investigator or SIU Investigator Sr level.

The salary range is $83,200–$105,123+. Actual compensation will be based on job-related skills, knowledge, and experience. A comprehensive benefits package is also offered, including medical and financial benefits, paid time off (vacation, holidays, sick leave, and personal holidays), and eligibility for the company’s performance sharing plan.