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Karl Nesler

Fire Investigator


Mr. Nesler, CIFI, AIC, FCLA, PCLA, is a retired special investigative unit investigator,
who worked in the insurance industry for over 28 years investigating and resolving
complex automobile, homeowner and commercial claims. Karl retired from State
Farm Insurance Companies having spent the last 18 years of his career there
handling special investigations within the upper Midwest. He led comprehensive
inquiries; analyzed damages, causation, and potential fraud. Karl collaborated with
insurance agents, repair professionals, and attorneys to interpret policies and
determine proper settlements. He conducted detailed and comprehensive fire scene investigations in conjunction with origin and cause experts, participated in evidence collections, documented loss scenes through use of photography and diagrams, and has conducted thousands of detailed interviews.

Karl’s areas of expertise include: Fire investigations, Evidence Handling,
Interviews, Subrogation, Fraud Investigation, Property & Fire Claims, Damage
Appraisal, Settlement Negotiation, Liability Analysis, Customer Service, Report
Writing and Evaluation, Detailed Documentation, and Legal Testimony. He has
been deposed on multiple occasions, and given testimony in court as a company
witness, a prosecution witness, as well as a grand jury witness.
Mr. Nesler has served key leadership positions with the International Association of
Arson Investigators – North Dakota Chapter and the Fargo-Moorhead Claim
Association. He has instructed in topics relating to fire origin and cause, vehicle
fires, interviewing and kinesics, evidence & spoliation, fire investigation for the
insurance professional, mechanical damage (other than hail), National Insurance
Crime Bureau – suspicious loss indicators, and insurance fraud awareness. Karl is a
contributing author for The Institutes on the Associate in Claims professional
insurance designation course AIC 31, Property Claims Practices sections:
Investigating Fire, Lightning, Smoke and Explosion Losses; Investigating Suspicious
Fire Claims; and The Fire Investigation Team. He has completed over 750 hours in
continuing education on topics relating to fire investigation and over 700 hours in
continuing education on topics relating to insurance.


  • Bachelor of Arts, Business at Gustavus Adolphus College, St. Peter, Minnesota
  • Minor, Computer Science Gustavus Adolphus College, St. Peter, Minnesota



  • Certified Insurance Fraud Investigator
  • Property Claims Law Associate
  • Fraud Claims Associate
  • Propert Claims Law Specialist
  • Fraud Claims Law Specialist
  • Associate in Claims
  • Certification in General Insurance