Tabulating Documentary Evidence.

1. Once documentary evidence is obtained, it should be summarized, analyzed and cross-referenced for easy access. Important areas for tabulation are the subject’s insurable property holdings previous insurance claim history, and financial credit history. A primary source of this information is the underwriting application file of the insurance company. Secondary sources may include the lien holders, insurance agents, or public records mentioned in the previous sections. This information may be used to determine the net worth and commodity flow of the subject under investigation.

2. The primary concern in arson-for-profit investigations is to determine whether the suspect has an insurable interest. In other words, does the subject of the investigation, who took out a policy on the property, actually own that property

and/or is the subject entitled to the insurance benefits.

3. In determining property ownership, a tabular summary can be utilized to document other holdings. An effort should also be made to record insurance, lien holders, and business linkages.

4. Arson research has brought to light the repetitive nature of insurance losses. Occasionally, several small fraudulent thefts an or arson fire claims may precede the major incident under investigation. The insured may feel that reporting frequent incidents or vandalism will help shift the blame for a fire to juveniles.

5. A major concern during the investigation is to establish, tabulate and analyze these patterns of activity by the insured. Emphasis should also be placed upon the disposition of claim payments in determining net worth of the subject under investigation.

6. A commercial credit background report is not always necessary to establish the financial loan history on the subject. With a comprehensive background check of public records, such as the Uniform Commercial Code(UCC) filings with the county records clerk of courts, a financial loan history can be complied.

VIII. Прочитайте 6ой абзац текста и вопрос к нему. Какой из вариантов ответа соответствует по содержанию одному из предложений текста?

How can a financial loan history be compiled?

1. A commercial credit background report can compile the loan history.

2. The insurance agency may help to compile the financial loan history.

3. The U.C.C. filings with the country records derk of courts can compile the financial loan history.

Дата добавления: 2015-07-19