Typical triggers
- Loss-date proximity to policy
- Prior-claim clustering
- Documentation inconsistencies
- Contractor pattern indicators
- Financial distress of insured
- Arson / fraud red flags
SIU handling changes
- Regular adjuster may continue or step back
- SIU-assigned investigator leads
- Documentation requests increase
- Recorded statements or EUOs sought
- Timeline extends
What policyholders should do
- Retain counsel before any recorded statement or EUO
- Cooperate fully with documentation
- Correct inconsistencies proactively
- Don't speculate in statements
- Know policy conditions being relied on