If it appears that the insured will benefit in any manner from the fire, even indirectly, the fire warrants further investigation. Unified will provide its clients with internal audits of claim files to identify and weigh indicators of fraud. Simply call the closest Unified Service Center and speak to one of our Territorial Managers.
- Fires occurring at night
- Insured out of town and with solid alibi
- Recently issued policy
- Recent endorsement to policy
- Insured overly pushy
- Insured very familiar with insurance terms
- Insured behind on mortgage payments
- Previous claims by insured
- Hand-delivered proof of loss
- Fires occurring close to expiration date of policy
- Over-insured property
- Property for sale
- List of out-of-state suppliers
- Many antiques claimed as destroyed
- Sprinkler system recently de-activated
- Alarm system not set
- Recent decline in utility use
- Business or liquor license lost by insured
- Lease with fire-termination clause
- Company needing to upgrade old equipment
- Stock becoming obsolete (shoes, clothing, food products)