Working Behind-the-Scenes as a
Insurance Claims Investigator
Do you like to solve puzzles? Are you good at figuring out “who-done-it?” Do you have the persistence to pursue a lead until you’ve reached a guaranteed dead end? If you’ve answered yes to these questions, you might want to consider searching for a job in the insurance industry as a claims investigator.
Never thought about the insurance field before? Maybe you’ve never before considered searching for jobs in the insurance industry because you’ve always thought that besides being an insurance agent or adjuster or selling insurance policies, this industry doesn’t have much more to offer. If this is what you think, then you’d be very wrong. However, you wouldn’t realize it until you actually spent time searching the array of jobs that make up the insurance industry or until you’ve had a need to process an insurance claim.
That’s when the real action in the insurance industry begins. Once an insurance claim has been submitted, it is assigned to an insurance adjuster who begins an investigation of the incident that caused the claim to be filed. Adjusters conduct interviews with those involved, take pictures of damage, and talk with other professionals if necessary. When a sufficient amount of information is gathered, the adjuster puts together a report and determines how much the insurance company is liable for and then works to settle the claim. Insurance adjusters are busy people, and if this sounds interesting, you might want to consider searching for this type of insurance job.
However, there are times when the insurance adjuster cannot reach a conclusion by himself. The adjuster can ask for assistance from an insurance examiner and together they might be able to settle the claim. However, in cases where the adjuster suspects that fraudulent activity might have played a part in the claim, the claim most often gets forwarded to the insurance agency’s investigation unit. Suspicious fires, false claims for disability, accidents that appear to be “staged” and excessive or seemingly unnecessary medical treatments are the types of situations that cause adjusters to transfer insurance claims further up the chain of command.
Insurance investigators play an important role in an insurance company. Investigators spend their time digging deeper into a claim. They’ll conduct more in-depth interviews and oftentimes, they’ll set up surveillance to more closely monitor those involved in the claim. Because of the nature of their work, claims investigators don’t work a typical 9-to-5 job. They work after normal business hours when more people are available to interview. Or they sometimes work around the clock keeping a close eye on someone they suspect may be involved in fraudulent activity.
If you like variety in your work and your work schedule; if you’re not afraid to confront people head-on; if you’ve got the patience to sift through mountains of data looking for clues; or if you have previous experience as a private investigator or in law enforcement, perhaps you should consider searching through insurance jobs and paying particular attention to the opportunities that are available as an insurance claims investigator.
Did you know? Many of the best jobs are never advertised! That’s right! Employers and recruiters search our resume database daily looking for qualified job candidates like you. So, whether you’re new to the insurance industry or a savvy insurance professional with years of experience, we can help you power your job search by placing your resume out in front of the industry’s leading employers and recruiters!
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