SIU Investigator

Kin is on a mission to change home insurance from what it is to what it should be. Whether we’re leveraging data to create customizable coverage or providing claims service that goes above and beyond expectations, our members are at the heart of everything we do. In the face of ever-growing climate risk, they deserve an insurance company that cares about them. We aim to stick with our members through thick and thin.

We use efficient technology that lets homeowners buy directly from us to keep costs down. This is the essence of Kin. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2024).

• Forbes' America's Best Startup Employers (2021- 2023).

• Inc. 5000 Fastest-Growing Private Companies.

• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

So what's the role?

Are you passionate about uncovering the truth and navigating the complexities of claim investigations? At Kin Insurance, we are expanding our claims team and looking for a dedicated Claims SIU Investigator to ensure the integrity and accuracy of our claims process.

As a Claims SIU Investigator, you will play a crucial role in detecting and preventing fraud. Your day-to-day will involve conducting thorough investigations into suspicious insurance claims, gathering and analyzing evidence such as documents and surveillance footage, and interviewing claimants and witnesses.

You will help to craft detailed reports of your findings, stay current with federal and state laws, and collaborate with internal and external stakeholders, including claims adjusters and legal teams, to coordinate efforts. Additionally, you have the chance to identify opportunities for process improvement and contribute to the development of best practices in investigative procedures.

If you have high-level analytical skills, a strong understanding of insurance policy language and regulations, and a drive to maintain the integrity of the insurance claims process, we want to hear from you. Join our team at Kin Insurance and make a meaningful impact in the world of claim investigations.

A day in the life could include:

• Conducting thorough investigations into insurance claims displaying indicators of potential fraud or suspicious activity

• Gathering and analyzing evidence, including documents, witness statements, and surveillance footage

• Interviewing claimants, witnesses, and other relevant individuals to gather information

• Preparing detailed reports outlining findings and recommendations for further action

• Staying up-to-date with federal and state laws, industry trends, and best practices in fraud detection and investigation

• Collaborating closely with internal and external stakeholders, including claims adjusters, legal teams, and other insurance professionals, to coordinate investigations

• Identifying opportunities for process improvement and contributing to developing best practices in investigative procedures

I’ve got the skills… but do I have the necessary ones?

• 3+ years of SIU residential property claims handling experience in one or more of the following areas: An insurance company employee whose primary purpose is the investigation of insurance fraud, a special agent of the National Insurance Crime Bureau or the Insurance Crime Prevention Bureau, or a full time investigator for a state fraud bureau

• Prior claims adjusting experience within the 1st and 3rd party space

• An outstanding understanding of the SIU process coupled with a strong knowledge of insurance policies, regulations, and industry best practices

• Ability to refine processes, drive and oversee change, alongside communicating effectively with peers and managers alike

• Extremely detail-oriented and technically apt, with sound ability to adapt to departmental or regulatory changes and requests

• A natural communicator who can effectively work with all departments and teams at Kin

Licensing Requirements

You will be expected to get your 620 license; Kin will provide this opportunity + licensure. 

Work Location:

This is a remote opportunity. You will not need to come into the office for this role;  if you live in Chicago or St. Petersburg, you are welcome to work in a hybrid capacity.

Catastrophe Requirements

All Claims employees are expected to be available in the event of a catastrophic event.  Overtime and weekend shifts required.

Oh, and don’t worry, we’ve got you covered!

• Medical, Dental and Vision Insurance

• Remote Work and flexible work hours

• Flexible PTO policy

• Generous equity package

• 401K with company match

• Parental Leave

• Continuing education and professional development

• Disability and Life Insurance

About Kin

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.

EEOC Statement

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.