Special Investigations Unit (SIU)

The team inside an insurer that investigates suspected fraud. Red flags on a claim can route it to the SIU for a closer look.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.