homeowners insurance fraud

The insured claimed he had a plumbing leak in his bathroom that required repair. He filed an Additional Living Expense (ALE) claim, stating that he only had one full bathroom with a tub and shower; therefore, he argued, he would need to rent a recreational vehicle in order to bathe while repair work was being… Read More

The claimant reported that a sewing machine and an embroidery machine were stolen from his parked and locked vehicle. He reported the loss on the day it allegedly occurred under his homeowner insurance policy. He submitted a property inventory that reflected their value at approximately $30,000. We were asked to complete an investigation and we… Read More

This homeowners’ claim involved loss from alleged smoke and ash damage from a wildfire. The loss was reported by a California public adjuster in March this year; their notice of loss referenced an unspecified wildfire event in June 2022 and bears a digital signature of the insured. We interviewed the insured who recalled receiving a… Read More

An adjuster was handling a smoke and ash claim in California, which was reported a year after the claimed wildfire. The inspection found ash in the home, with a cleaning estimate at $5,533.00. The claim was paid. The claim was made by a public adjusting (PA) firm, which stated the cost to clean the home… Read More

The insured purchased a homeowners policy in early December 2021 for her newly constructed home. She called the next month to say that someone broke into her home in early January, taking her stove, refrigerator, washer/dryer and a tankless water heater. She said she had not moved in yet. Her cousin noticed the front door… Read More

Our client’s adjuster was assigned a $15,000 homeowner’s claim for vandalism, reportedly by a homeless person. The insured reported that someone broke into his home while he was out of the country on vacation, changing the lock on the front door so he could stay there. Because this was a new policy loss of just… Read More