Claims Investigator

About Us

Terrance Private Investigator & Associates is a leading private investigation firm serving clients nationwide. We provide professional investigative services for individuals, attorneys, businesses, and insurance professionals, specializing in infidelity investigations, criminal defense support, surveillance, background checks, asset searches, missing persons, and complex investigative assignments. Our reputation is built on integrity, discretion, professionalism, and delivering results that matter. Every investigation is handled with precision, thorough documentation, and a commitment to helping our clients get answers and uncover the truth.

This is a full-time position handling claims investigations across all firm markets. The Claims Investigator conducts recorded statements, scene and vehicle investigation, activity checks, canvasses, and background research on assigned claims, and produces investigative reports delivered to carrier clients and used in claim decisions, litigation, and fraud referrals. Assignments arrive on carrier timelines and the role requires availability outside standard business hours, as claimants, witnesses, and scenes do not conform to a schedule.

Travel within and between markets is required.

• Minimum of 2 years of professional claims investigation, SIU, or insurance defense investigative experience
• Demonstrated experience taking recorded statements from claimants, insureds, and witnesses
• Working knowledge of fraud indicators across workers' compensation, auto, property, and liability claims
• Experience conducting scene, vehicle, and loss site investigation with photographic documentation
• Familiarity with claims files, coverage concepts, policy language, and the questions an adjuster actually needs answered
• Working knowledge of ISO Claim Search, prior claims history research, and index reporting
• Strong investigative writing; your report is the deliverable and it may be produced in litigation
• Ability to maintain objectivity and reach a defensible conclusion regardless of which side it favors
• Private Investigator license in the state of assignment, or registration under the agency license, current or obtainable prior to start. The firm will sponsor registration for qualified candidates.
• Adjuster license where required by the state of assignment, or willingness to obtain
• Valid driver's license with a clean driving record
• Ability to pass a background check and maintain confidentiality at all times
• Preferred: prior carrier SIU, adjuster, or law enforcement fraud unit experience
• Preferred: CIFI, FCLS, CFE, or comparable fraud investigation credential
• Preferred: bilingual, particularly Spanish

• Laptop, mobile device, and full access to the firm case management platform
• Investigative database, public records, and claims history platform access
• Camera, audio recording, and scene documentation equipment
• Secure evidence storage and cloud infrastructure
• Mileage reimbursement or vehicle allowance for case travel

You are expected to maintain a personal vehicle in good mechanical condition and be capable of working in the field on short notice.

• Investigate assigned claims within the scope, authority, and deadlines established by the carrier client
• Take recorded statements from claimants, insureds, witnesses, and involved parties, obtaining consent as required by applicable law
• Conduct scene, loss site, and vehicle investigation, including photographs, measurements, diagrams, damage documentation, and consistency analysis
• Perform activity checks and canvasses to verify reported limitations, occupancy, employment, and circumstances
• Conduct AOE and COE investigation on workers' compensation claims, including employment verification, prior injury history, and mechanism of injury analysis
• Research claims history, prior losses, and index results; identify patterns across claims, parties, providers, and addresses
• Conduct background research on claimants, witnesses, providers, and involved businesses within permissible purpose
• Canvass for and preserve third party video, business records, and physical evidence before it is lost
• Identify, document, and analyze fraud indicators; distinguish genuine red flags from coincidence
• Coordinate with surveillance investigators, providing subject intelligence and integrating field findings into the claim file
• Prepare clear, comprehensive, court-admissible investigative reports and claim…