Insurance fraud by a neighbor
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UPDATED: Feb 26, 2019
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Insurance Question from Springfield, MO
Asked on 02/26/2019
Insurance fraud by a neighbor Thereâ€™s an individual in our neighborhood who is renting his single family home. My presumption is that his insurance company has no clue. This is based on other business dealings with the man and knowing he is very dishonest and will do,anything to avoid paying money for any services he owes.The additional problem with the rental is that there are 5-6 couples at any given time living there and he is an absent homeowner. There is a constant rotation of questionable characters in and out. Constantly people pulling up with boxes and mattresses. It would not surprise me if someone was living in his garage. The home is in MO and he resides at any given time in CA, AZ, or London. This is in the county so no ordinances on occupant per square ft., a $375K home in an HOA.So, my question.... Is there a way to discover who insure his home ? I have worked in insurance as a commercial lines underwriter (17 years ago) and my experience is that his rates and policy would be completely different if the company was aware of the situation.
Answer given on March 04, 2019
Why are you concerned with your neighbor and his insurance? If you are concerned with the safety in the neighborhood you may be better off contacting the local police or sheriff and discuss the issue with them. If you simply feel this neighbor is not a good or honest person it may be difficult to determine information about his insurance.
You could try asking him about his insurance and try to make up something about a possible claim, such as damage from a tree, or the concern about a tree. He doesn’t sound like he will be forthcoming with information, but it is a start. You can also see if there is a loan on the property and who it is with. You can then see if they have information on the insurance since they would require insurance if there is a loan. I’m not sure how to determine if there is a loan and who the lender might be, but much information can be found on the internet. Otherwise you will simply have to live with the fact of the situation until you are able to do something through the authorities.
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