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Fire Claims
- Building in deteriorating condition and/or located in a deteriorating
neighborhood
- Fire scene reveals absence of expensive items normally found in risk
- Absence of family Bible, family photos or any other items of sentimental
value
- Absence of other items normally found in home or business
- Responding police/fire personnel report all doors, windows and means
entry/exit were secure
- Clocks, candles or other timing devices found at scene
- Items that usually don’t burn (ie: jewelry, firearms, coins, etc.) are
missing from debris
- Obsolete inventory substituted for modern general inventory prior to loss
- Incendiary fire identified
- Lack of forcible entry to premises, yet all keys (including alarm) are
accounted for
- Accelerant identified is foreign to the premises and no container or other
means of starting a fire are found at the scene
- Multiple points of origin in key locations and/or throughout premises
- Alarm/sprinkler system turned off or inoperable at time of loss
- Insured’s whereabouts at time of loss is questionable or varies from no
routine
- Fire occurs while property is vacant or unoccupied
- Family pet survives the fire or is unusually absent from premises
- Insured uses fire as means to break tenant/lease agreement
- Lifestyle inconsistent with observation and facts
- Insured/claimant wants a friend or relative to pick up check
- Over documentation of loss
- Insured/Claimant has no phone
- Claimant is a transient or out-of-towner
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