The insured's demeanor changes radically during the claims process. No one at home at the time of loss, including the family pet. Police notified late or after claim is reported to insurance company. No apparent sign of forced entry. Large, outstanding utility bills or property taxes.
Property is part of divorce settlement, argument, or agreement.
Property in disrepair, condemned, or to be demolished. Property, normally close to premises, is moved just prior to loss. Fire department reports fire cause is incendiary, suspicious or unknown. Evidence suggests use of an accelerant. Fire with multiple points of origin.