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FOR PROFIT INDICATORS
This list is intended as a guideline and not
a complete checklist for investigation.
If a number of these factors are seen, Please
contact the Disney Team, a thorough investigation is warranted.
- Manufactured, altered receipts or
misrepresented replacement receipts -or 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 4-Sale
- Financial distress indicated - Recent Bankruptcy
- Fire occurs between 2am - 5am
- Insured removes items just before fire
- Family Photos, Prescriptions, Tooth Brushes, Trophies, etc. not found at
scene
- Area of greatest damage and fuel load do not match
- Inside family pet survived fire
- Prior fire losses (especially similar circumstances)
- A build-up of previous losses/claims amounts
- Normal living items missing or replaced with obvious junk
- Fire occurs while gone for 3 day weekend (especially businesses) w/Insured
out of town
- Unreasonable delay by Insured of reporting loss
- Fire/Burglary Alarms and/or Sprinkler inactive at time of loss
- Recent adverse notices to Insured by City Government
- Doors locked at time of fire/Firemen had to force enter - limited number
of keys
- Tips phoned in to Company/Agency/Police/Fire Dept. naming insured
- Insured provides detailed inventory loss quickly after fire
- Insured sends others to provide loss information
- Recent divorce or break-up
- Recent business partner split or dissolution
- Unpaid Property Taxes/Sheriff Sale imminent
- Recent job loss
- Insured recently arrested or sued (needs atty. fee)
- Contract seller with separate insurance/history of loss
- Business fires with windows covered just prior to loss
- Recent medical problems without proper insurance
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