INDICATORS OF POSSIBLE FRAUD:

The "Red Flags"

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.

GENERAL INSURANCE FRAUD INDICATORS:

• · Insured not living or working close to Agency

• · Insured lied on prior loss section of application

• · Application returned unsigned - willing to pay cash

• · Insured used third party to make application

• · Reluctance to use mail for information

• · Application not signed in Agent's presence

CLAIMS FRAUD INDICATORS:

• · Lack of memory on prior loss information

• · Excessive pressure for immediate settlement

• · Excessive knowledge of insurance terms/procedures

• · Recent increase of policy limits

• · Questions to Agent about coverage just prior to loss

• · Lack of memory about prior Carriers/Agents

• · Reluctant to meet for interviews or provide details of loss

• · Retains Public Adjuster or "known" Attorney immediately

• · Lack of documentation or "too good" documentation

• · Will not use mail system (USC Title 18 Mail Fraud)

• · Reluctance to send FAX information (Wire Fraud)

• · Refusal to sign Information Releases

• · Becomes very nervous when told an investigation will be conducted

• · When interviewed, has "rehearsed" story and selective memory or details change