Contents Claims: Hard Fraud / Soft Fraud

The Contents Claims: Hard Fraud and Soft Fraud course is designed to help
adjusters enhance their knowledge, understanding, and professional competence of
homeowners insurance coverage principles involving fraudulent contents claims. The
module is presented by Andrew P. Rock, Esq. of The Rock Law Group, P.A. and Gregory
Nelson, Insurance Consultant.

This course is designed to provide claim teams
with a solid background and foundation for attacking and dealing with contents
fraud. The course begins with an overview of the program, and a discussion of hard
fraud versus soft fraud. It then examines specific examples of insurance fraud and
scenarios with a focus on contents fraud. Next, the course addresses insurance
fraud statistics that provide context for the extent of the problem, and justify
giving the resources necessary to fight fraud. Then, the course identifies the
unique characteristics of fraudulent contents claims. The course also addresses
some of the difficult issues encountered in proving fraud, including establishing
intent. Finally, the course concludes with fraud case studies- real-life examples
of contents fraud and how courts have dealt with these issues.

After
completing the course, the attendee will be able to compare hard fraud and soft
fraud; identify effective means of detecting fraud; utilize new tools for dealing
with fraud; implement effective defenses based on fraud, concealment, and
misrepresentation; identify applicable policy provisions; and defend the denial of
a fraudulent contents claim. The course is primarily designed for insurance
professionals working in the area of property adjusting.