Reviewed by Eli Goins, FL DFS License #P159790 · Last updated
By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: A claim transfers to the Special Investigations Unit when triggers like loss-date proximity to your policy, prior-claim clustering, documentation inconsistencies, contractor patterns, financial distress, or fraud red flags appear. Once referred, an SIU investigator leads, documentation requests rise, recorded statements or EUOs get sought, and the timeline extends, so retain counsel and cooperate fully.
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
Frequently asked questions
What triggers a claim being referred to SIU?+
Common triggers include the loss date falling close to the policy period and clustering of prior claims. Documentation inconsistencies, contractor pattern indicators, and financial distress of the insured can also prompt a referral. Arson and other fraud red flags are triggers as well.
How does handling change once SIU gets involved?+
An SIU-assigned investigator leads the file, while your regular adjuster may continue or step back. Documentation requests increase, and the carrier often seeks recorded statements or examinations under oath. Expect the overall timeline to extend.
What should I do if my claim goes to SIU?+
Cooperate fully with documentation requests and correct any inconsistencies proactively. Understand the policy conditions the carrier is relying on. Avoid speculating in any statement you give.
Should I give a recorded statement or EUO without a lawyer?+
Retain counsel before any recorded statement or examination under oath. Once represented, you should still cooperate fully with documentation. Do not speculate when answering, and stick to what you actually know.
