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Every first-party property adjuster will face in his or her career  attempts to defraud the insurer for whom the adjuster works. 

It is  necessary that the adjuster is aware of each type of property insurance  fraud he or she may encounter. Some, but surely not all, fraud types  follow:  Arson-for-profit.  Arson is the intentional burning of property. It no longer is limited to  specific types of property. Although perhaps the most dangerous of all  methods of insurance fraud, people continue to attempt insurance fraud  by burning their homes, vehicles, and business structures.  If an insured sets fire to his furniture or car to defraud the insurer,  the defense available to the insurer is fraud not arson. To defend a  claim based upon fraud by arson, the insurer must prove the following:  The property was insured under a contract of insurance. The contract of insurance contained a provision allowing the insurer to  void insurance because of misrepresentation, concealment, false  swearing, fraud, or an exclusion for intentional acts of the insured  similar to that in the New York Standard Fire Insurance Policy. The fire was not accidental. The fire was caused by the acts of a person or persons. The fire was set by the insured or someone acting for the insured. The fire was set for the purpose of defrauding the insurer. Staged Thefts Staged Water Damage or Mold Claims Multiple Other Property Fraud Claims  \\xa9 2021 \\u2013 Barry Zalma  Barry Zalma, Esq., CFE, now limits his practice to service as an  insurance consultant specializing in insurance coverage, insurance  claims handling, insurance bad faith and insurance fraud almost equally  for insurers and policyholders. He also serves as an arbitrator or  mediator for insurance related disputes. He practiced law in California  for more than 44 years as an insurance coverage and claims handling  lawyer and more than 52 years in the insurance business. He is available  at http://www.zalma.com and zalma@zalma.com.  Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE  Legend Award.  Over the last 53 years Barry Zalma has dedicated his life to insurance,  insurance claims and the need to defeat insurance fraud. He has created  the following library of books and other materials to make it possible  for insurers and their claims staff to become insurance claims  professionals.  Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma;  Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry  Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry  Zalma on YouTube-  https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg;Go to the  Insurance Claims Library \\u2013  https://zalma.com/blog/insurance-claims-library/Read posts from Barry  Zalma at https://parler.com/profile/Zalma/posts; and Read last two  issues of ZIFL here.