-
Manufactured, Altered receipts or misrepresented replacement receipts- lack of
receipts for big ticket items.
-
Hidden damage of property prior to loss (i.e.; Termites)
-
Fires during remodeling (found too much work needed)
-
Policy about to expire or new policy
-
Vacant Buildings with no potential- Building for sale
-
Financial distress
indicated- recent bankruptcy
-
Fire occurs between 2 am
and 5 am
-
Insured removes items
just before fire
-
Family photos,
prescriptions, toothbrushes, trophies, etc, not found at scene
-
Area of greatest damage
and fuel load don't match
-
Inside family pet
survives
-
Prior fire losses
(especially similar circumstances)
-
A build-up of previous
losses / claims amounts
-
Normal living items
missing or replaced with junk
-
Fire occurs while gone
for a three (3) day weekend (especially businesses) with insured out of town
-
Unreasonable delay by
insured of reporting loss
-
Fire/Burglary Alarms
and/or sprinklers inactive at time of loss
-
Recent adverse notices
to Insured by City Government
-
Doors locked at time of
fire or Firemen had to force enter- limited number of keys
-
Tips phoned in to
Company, Agency, Police and or Fire Department, naming the insured
-
Insured provides
detailed inventory loss quickly after fire
-
Insured sends others to
provide loss information
-
Recent divorce or
breakup
-
Recent business partner
split of dissolution
-
Unpaid Property Taxes or
Sheriff's sale imminent
-
Recent job loss
-
Insured recently
arrested or sued (needs attorney fees)
-
Contract seller with
separate insurance/ history of loss
-
Business fires with
windows covered just prior to loss
-
Recent medical problems
without proper insurance
