Very personal items missing with little ACV

 More items that would normally fit into pick-up truck or van (most are one load, usually less)

 No obvious forced entry - limited number of keys

Alarm system/Security not in operation

 Loss occurred during 3 day weekend when Insured out of town

 Insured in no hurry to "get back to normal"

 Older items taken and newer items left

 More items taken than would fit in remaining space

 Neighbors report a number of items brought in/removed just prior to loss

 Insured claims large amount of cash taken

 A build-up of prior losses/claim amounts

 Lack of receipts for big ticket items

 Insured provides detailed inventory list immediately after loss

 Recent Bankruptcy

 Recent Divorce

 Items reported to Police different from reports to Company

 Items reported to Company much more than to Police

 Recent Suits or Judgments against insured

 Recent partner split or dissolution

 Manufactured, altered or replacement receipts

 Recent financial problems: Job loss, business failure, Medical problems not insured, payment deadlines

 New Policy or one about to expire with no renewal