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INDICATORS OF FRAUD


• Building and/or business was recently purchased • Commercial losses include old or non-saleable inventory or illegal chemicals/materials • Insured or insured’s business is experiencing financial difficulties, e.g. bankruptcy, foreclosure • Fire site is claimed by multiple mortgagees or chattel mortgagees


Indicators at the Fire Scene • Building is in deteriorating condition and/or located in a deteriorating neighborhood • Fire scene investigation suggests that proper/contents were heavily over-insured • Fire scene investigation reveals absence of remains of non-combustible items of scheduled property or items covered by floaters, e.g. coin or gun collections or jewelry


• Fire scene investigation reveals absence of remains of expensive items used to justify an increase over normal 50% contents coverage, e.g. antiques, piano or expensive stereo/video equipment


• Fire scene investigation reveals absence of remains of items of sentimental value, e.g. family Bible, family photos, trophies


• Fire scene investigation reveals absence of remains of items normally found in a home or business. The following is a sample listing of such items, most of which will be identifiable at fire scenes except in total burns - Kitchen: major appliances, minor appliances, normal food supply in refrigerator and cabinets - Living Room: television/stereo equipment, record/tape collections, organ or piano, furniture (springs will remain)


- Bedroom: guns, jewelry, clothing and toys - Basement/Garage: tools, lawn mower, bicycles, sporting equipment, e.g. golf clubs - Business/Office: office equipment and furniture, normal inventory, business records


Indicators Associated With the Loss Incident • Fire occurs at night, especially after 11 p.m. • Commercial fire occurs on holiday, weekend or when business is closed • Fire department reports fire cause is incendiary, suspicious or unknown • Fire alarm and/or sprinkler system failed to work at the time of the loss


Indicators of Burglary/Theft Fraud • Losses include total contents of business/home including items of little or no value • Losses are questionable, e.g. home stereo stolen out of car, fur coat stolen on trip to Hawaii • Losses include numerous family heirlooms • Losses include numerous appraised items and/or items of scheduled property • Extensive commercial losses occur at site where few or no security measures are in effect • No police report or an over-the-counter report in situations where police would normally investigate


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