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Arson Insurance Investigation
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  • Financial Investigation
    • Sources of Financial Information

handFinancial Investigation Sources of Information, ATF Audit Services Division.

handTable of Suggested Financial Investigation Records, ATF Audit Services Division.

Sources of Intelligence Checklist.

handTax Returns that May Be Requested in a Financial Investigation

handBanks and Lending Institution Records

handCourt Records

handOther Financial Records

handFinancial Database Records

The financial side of fire. Kahn, Randolph A. September 1996.

Kirk's Fire Investigation, by John D. DeHaan. 1997 Ed. Simon & Schuster.

Consult Additional Sources of Information

Conduct Financial Investigation

    • Obtaining Financial Records

Privacy and Confidentiality Issues

handTax Returns that May Be Requested in a Financial Investigation

handBanks and Lending Institution Records

handCourt Records

handOther Financial Records

handFinancial Database Records

handSuggested Language to Obtain a Subpoena for Bank Records Including Both Main Office and Bank Holding Company

Suggested Language to Obtain Subpoena for Business Records

Conduct Financial Investigation

    • Outline of Financial Investigation

handFinancial Investigation Outline, ATF Audit Services Division.

Conduct Financial Investigation

    • Interviewing Checklists for Financial Information

handInterviewing Checklist for Accountants and Bookkeepers

handInterviewing Checklist for Owner

    • Forensic Accounting

Using a CPA Can Show You the Money

handRISS

    • Fraud and Arson Case Studies

handArson Case Briefs, Bureau of Alcohol, Tobacco and Firearms.

"The New York Insurance Fraud Ring," Working Paper by Guy E. Burnette, Jr., Esquire.

    • Statement Analysis and Red Flags

Montana Supreme Court Affirms Arson Conviction Finding Financial Motive of Co-Actor Admissible

Using a CPA Can Show You the Money

"Field Guide to Electronic Evidence" Dockery & Associates. October, 1997.

Arson auditing: financial red flags. National Fire & Arson Report. Vol 12 No 2 (June 1994).

Financial statement analysis methods in arson for profit investigations. Fire and Arson Investigator. Vol 47 No 2 (December 1996). p 24-29.

Conduct Financial Investigation.

  • Insurance Information
    • Insurance Company Files

Privacy and Confidentiality Issues

Insurance as it relates to the fire investigator. Fire and Arson Investigator. Vol 45 No 4 (June 1995). p 43-44.

hand"The Agent's File," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

hand"The Claim File," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

hand"The Underwriting File," Working Paper by Guy E. Burnette, Jr., Esquire (1998).

"Interacting with Insurance Representatives," Working Paper by Guy E. Burnette, Jr., Esquire.

Communicating During the Investigation. From Motive, Means and Opportunity.

You Have to Know Who You're Dealing With. (being interviewed by adjusters and independent origin and cause experts). Fire Chief. Vol. 39. No. 7 (July 1995), p 47-49.

hand"How to Analyze Insurance Documents in a Fire Investigation: The Homeowner Application." Toscano, Joseph. 1998.

hand"How to Analyze Insurance Documents in a Fire Investigation:
Binder."
Toscano, Joseph. 1998.

"How to Analyze Insurance Documents in a Fire Investigation: Declarations Page (Declarations Sheet)." Toscano, Joseph. 1998.

"How to Analyze Insurance Documents in a Fire Investigation: Loss Notice." Toscano, Joseph. 1998.

"How to Analyze Insurance Documents in a Fire Investigation: Proof of Loss." Toscano, Joseph. 1998.

hand"How to Analyze Insurance Documents in a Fire Investigation: Claim Acknowledgement and Records Request."Toscano, Joseph. 1998.

handU WINsurance Resource Directory A comprehensive resource and directory for insurance information web sites, including fire insurance and insurance fraud

Know How to Use Insurance Information

Understand and Request Insurance Information

Interpret Insurance Records

Consult Insurance Personnel

Search Electronic Databases

    • Examination Under Oath

Examination Under Oath: Inquiry or Inquisition. The Insurance Committee For Arson Control. Annual Meeting, January 21, 1998.

    • Fraud Indicators

The Year 2000 and the Potential for Fraud

Indicators of Property Fraud. National Insurance Crime Bureau.

Indicators of Application Fraud. National Insurance Crime Bureau.

Indicators of Catastrophe Fraud. National Insurance Crime Bureau.

Indicators of Casualty Fraud. National Insurance Crime Bureau.

Indicators of Workers' Compensation Premium Fraud. National Insurance Crime Bureau.

Indicators of Vehicle Theft Fraud. National Insurance Crime Bureau.

Fraud/Arson Indicators, Quick Reference Guide For Police and Fire Services. Canadian Coalition Against Insurance Fraud.

Indicators of Casualty Fraud. Insurance Crime Prevention Institute. 1989.

"Seattle Arsonist Convicted For $1 Million Blaze," ICPI Report Vol.17, No. 4, 1990.

"Killing Show Horses for Money," New York Times. September 5, 1993.

  • Immunity Legislation
    • General

Status Report On Arson-Reporting Immunity Legislation. Insurance Committee For Arson Control.

"State-by-Sate Summary of Arson-Reporting Immunity Laws," Insurance Committee For Arson Control. Sep 1990.

Sample Request for Information and Records Form. Department of Fire Service. New Haven, Connecticut.

"Coordinating Civil & Criminal Arson Cases," Working Paper by Guy E. Burnette, Jr., Esquire.

Understand and Request Insurance Information

  • Arson Fraud Investigation: Information Sources
    • Sources of Information

"Sources of Information For Follow-Up Investigation." compiled by Debra A. Hemmerling.

Sources of Intelligence Checklist.

Sources of Information. From Motive, Means and Opportunity.

Investigators' Guide to Sources of Information. United States General Accounting Office, Office of Special Investigations. 1992.

Request For Query Analysis. Financial Crimes Enforcement Network.

Begin With a Fire; End With a Fraud. Fraud Fire Committee Column. Fire and Arson Investigator. Vol. 48, No. 3 (March 1998), p 28-29.

Consult Additional Sources of Information

TR-047 The Grems Case: How an Arson Case Was Solved and Prosecuted, Aurora, Colorado

    • Electronic Databases

handElectronic Databases for the Fire/Arson Investigator. Rovert A. Corry.

Arson and Explosives National Repository

Search Elecronic Databases

    • Computers in Fire Investigation

The fire investigator's new tools. NFPA Journal. Vol 91 No 3 (May-June 1997). p 80-82+.

Computer Connection for Fire Investigation. Bagley, Patrick M.; Price, Bill C.

Messes, Mustard, & Masterpieces. Beering, Peter S.

Search Elecronic Databases

    • Internet Resources

Privacy and Confidentiality Issues

Learning to Narrow Web Results (PDF Format)

Internet Resources for Arson Investigators

Internet Web Sites for the Fire Investigator, Fire and Arson Investigator. December, 1997. pp. 26-27.

Main Insurance page Links, Dockery Associates.

Internet 101 - A guide, www2.famvid.com/i101

Internet for Investigators, David Vine Assoc., LLC

Search Elecronic Databases

    • Property Insurance Loss Register

Utilizing the Property Insurance Loss Register. Collins, Bruce A. 1993.

  • Arson Fraud Investigation: Insurance
    • General

First Circuit Discusses the Importance of Motive in an Arson Ship Fire

Fourth Circuit Upholds Arson Conviction Over Claim No Interstate Commerce

Montana Supreme Court Affirms Arson Conviction Finding Financial Motive of Co-Actor Admissible

handArson Case Briefs

Communicating During the Investigation. From Motive, Means and Opportunity.

10th Annual Fire & Arson Seminar. Kempenaar, Ken. International Association of Arson Investigators, Missouri Chapter. 1994.

    • Understanding the Policy of Insurance

Staff Study of the Role of the Insurance Industry In Dealing With Arson-For-Profit. Permanent Subcommittee On Investigations of the Committee On Governmental Affairs, United States Senate. 1979.

"Interacting with Insurance Representatives," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

Underwriting. From Motive, Means and Opportunity.

Communicating During the Investigation. From Motive, Means and Opportunity.

"Understanding The Policy of Insurance," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

Know How to Use Insurance Information

Understand and Request Insurance Information

Interpret Insurance Records

Consult Insurance Personnel

    • Contents of Insurance Company Files

hand"The Agent's File," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

hand"The Claim File," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

hand"The Underwriting File," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

hand"How to Analyze Insurance Documents in a Fire Investigation: The Homeowner Application." Toscano, Joseph. 1998.

hand"How to Analyze Insurance Documents in a Fire Investigation: Binder." Toscano, Joseph. 1998.

"How to Analyze Insurance Documents in a Fire Investigation: Declarations Page (Declarations Sheet)." Toscano, Joseph. 1998.

"How to Analyze Insurance Documents in a Fire Investigation: Loss Notice." Toscano, Joseph. 1998.

"How to Analyze Insurance Documents in a Fire Investigation: Proof of Loss." Toscano, Joseph. 1998.

hand"How to Analyze Insurance Documents in a Fire Investigation: Claim Acknowledgement and Records Request." Toscano, Joseph. 1998.

Interpret Insurance Records

    • What is Arson?

"Arson from A to Z," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

"Anatomy of an Arson Case," Working Paper by Guy E. Burnette, Jr., Esquire (1998)

    • Why Insurance Companies Settle Arson Claims

Why Insurance Companies Settle Arson Claims. National Fire and Arson Report. Vol. No. 3. 1989.

    • Indicators of Fraud

Indicators of Property Fraud. National Insurance Crime Bureau.

Indicators of Application Fraud. National Insurance Crime Bureau.

Indicators of Catastrophe Fraud. National Insurance Crime Bureau.

Indicators of Casualty Fraud. National Insurance Crime Bureau.

Indicators of Workers' Compensation Premium Fraud. National Insurance Crime Bureau.

Indicators of Vehicle Theft Fraud. National Insurance Crime Bureau.

Fraud/Arson Indicators, Quick Reference Guide For Police and Fire Services. Canadian Coalition Against Insurance Fraud.

Indicators of Casualty Fraud. Insurance Crime Prevention Institute. 1989.

Sample Request for Information and Records Form. Department of Fire Service. New Haven, Connecticut.

"Commercial Fraud," from Kirk's Fire Investigation, by John D. DeHaan. 1997 Ed. Simon & Schuster. Chap 16, p. 397.

"Residential Fraud," from Kirk's Fire Investigation, by John D. DeHaan. 1997 Ed. Simon & Schuster. Chap 6, p.397-98.

  • Laboratory Analysis
    • General

Other Laboratories and Technical Experts, B. Wesley Sherman.

Laboratory Analysis. (reprinted from Kirk's Fire Investigation, 4/E by John D. DeHaan.)

handEvidence Collection and Laboratory Analysis

handATF National Laboratory Center (description of analysis that can be performed and instructions for the collection and submission of common fire scene evidence)

handThe Lab Analysis. From "Motive, Means and Opportunity."

handSample Evidence Transmittal Letter

Excerpts from The Pocket Guide to Accelerant Evidence Collection, MA Chapter IAAI, 1999.

Ignitable Liquid Classification System

"Spoliation of Evidence: A Fire Scene Dilemma" Working Paper by Guy E. Burnette, Jr., Esquire (1998)#2 Accelerant Evidence Collection

Evidence, Section 5-3 through 5-3.3 from NFPA 921 Guide for Fire and Explosion Investigations 1998 Edition.

Crime Scene and Evidence Collection Handbook, Bureau of Alcohol, Tobacco and Firearms, Department of the Treasury.

Interpret Forensic Lab Results

Interpret Non-Forensic Lab Results

  • Arson Motives
    • Determining Arson Motives

Tenth Circuit Upholds Conviction for Cross Burning

First Circuit Discusses the Importance of Motive in an Arson Ship Fire

Fourth Circuit Upholds Arson Conviction Over Claim No Interstate Commerce

Montana Supreme Court Affirms Arson Conviction Finding Financial Motive of Co-Actor Admissible

handDetermining Arson Motives. from "Motive, Means and Opportunity."

"The Arson Set," from Kirk's Fire Investigation, 4/E by John D. DeHaan.

Define Motive, Discover Means, Establish Opportunity

    • Serial Arsonists

Essential Findings on the study of Serial Arsonists

handDetermining Arson Motives. from "Motive, Means and Opportunity."

A Motive-Based Offender Analysis of Serial Arsonists. Sapp, Allen D., Huff, Timothy G., Gary, Gordon P., and Icove, David J. Department of Justice, Federal Bureau of Investigation, and Federal Emergency Management Agency.

Serial Arson, Arson Motives. Allen, Douglas H.

Serial Arsonists... Who Are They? The National Fire and Arson Report. Volume 12, Number 3. September , 1994.

Serial arsonists: investigative considerations. National Fire & Arson Report. Vol 14 No 1 (March 1996). p 10-12.

Arsonists take toll on New York City. Firehouse. Vol 22 No 2 (February 1997). p 54+.

Arson string in California. Wildland Firefighter. Vol 1 No 6 (October 1997). p 16-18+.

    • Juvenile Firesetting

Iowa Court Finds Combustible Not Constitutionally Vague

Introduction to Juvenile Firesetting, Special Agent Jessica F. Gotthold, CFI, Bureau of Alcohol, Tobacco and Firearms

Introduction to Juvenile Firesetting Brief

Juvenile Firesetters, What You Can Do. National Arson Prevention Initiative.

Curious Children & Fire, What Every Parent Should Know. National Arson Prevention Initiative.

TR-095 Arson and Juveniles: Responding to the Violence

TR-047 The Grems Case: How an Arson Case Was Solved and Prosecuted, Aurora, Colorado

 

    • Psychological Profile of Firesetters and Arsonists

"Motive," from Kirk's Fire Investigation, by John D. DeHaan. 1997 Ed. Simon & Schuster.

"The Arson Set," from Kirk's Fire Investigation, 4/E by John D. DeHaan.

The Firesetter, A Psychological Profile. June, July, and August 1980 issues of the FBI Law Enforcement Bulletin.

The arsonist's profile. Fire Engineering. Vol 147 No 6 (June 1994). p 127-128.

Profiling arsonists and their motives: an update. Fire Engineering. Vol 149 No 2 (March 1996). p 80-82+.

Define Motive, Discover Means, Establish Opportunity

    • Fire-setting Firefighters

Keeping firefighters on the right side of the force. Fire Chief. Vol 39 No 7 (July 1995). p 50-52.

Fire-setting Fire Fighters: Identifying and Preventing Arsonists in Fire Departments. Focus On: Arson. IAFC On Scene. Vol. 8. No. 15 (August 15, 1994). p 6-7.

  • Visual Investigative Aids
    • General

handVisual Investigative Analysis, Rick Weber (description, illustration of VIA charting, samples of cases charted using VIA).

handVisual Investigative Analysis: The Bombing of MaryLou. Rick Weber.

Link Analysis, An Introduction For Insurance Investigators. Insurance Fraud Forum. New England Association of Insurance Fraud Investigators. March 13, 1998.

Morris, Jack. Crime Analysis Charting. The Palmer Press (Loomis, CA). 1993.

  • For Insurers Only
    • Fire and Arson Case Management for Insurers

What to Look for in SIU Counsel

hand"Underwriting Against Arson." Robert A. Corry. American Re-Insurance Co.

handThe Arson Claim. From "Motive, Means and Opportunity."

"The Role of Outside Counsel," Working Paper by Guy E. Burnette, Jr., Esquire (1998).

"Selecting an Attorney," Working Paper by Guy E. Burnette, Jr., Esquire (1998).

"Selecting an Origin and Cause Expert," Working Paper by Guy E. Burnette, Jr., Esquire (1998).

Communicating During the Investigation. From Motive, Means and Opportunity.

Investigation On Behalf Of the Carrier. Fire and Arson Investigator. 1997.

"Suggested Methodology for Management of the Arson Claim." Pavlisin, Michael and Provencher, Gerald T. Pub. by IAAI. 1998 Ed.

Interviewing for Adjusters

Mishandling fire claims can lose court cases. National Fire & Arson Report. Vol 15 No 3 (September 1997). p 9+.

Selecting Origin & Cause Experts and Attorneys

    • Large Loss Investigation

Large Fire Loss Investigation & Management. from Motive, Means, and Opportunity.

"Large Fire Loss Investigation & Management," Ward and Whitemore. Inside Fire. Vol. 5, September 1995.

Communicating During the Investigation. From Motive, Means and Opportunity.

TR-057 Twenty-five Fatality Fire at Chicken Processing Plant, Hamlet, North Carolina, September 1991

TR-022 Interstate Bank Building Fire, Los Angeles, California, May 1988

TR-076 The World Trade Center Bombing: Report and Analysis, February 26, 1993, a compilation of 24-plus articles on this incident originally published in Fire Engineering, December 1993

TR-071 New York City Bank Building Fire: Compartmentation vs. Sprinklers, New York, January 1993

TR-085 Logan Valley Mall Fire, Altoona, Pennsylvania, December 1994

TR-086 Live Oak/Milstar Complex and Carpet Service Center, La Grange, Georgia, January 1995

TR-097 Fifteen Million Sight and Sound Theater Fire and Building Collapse, Lancaster County, Pennsylvania, January 1997.

TR-101 Broward Marine Fire, Ft. Lauderdale, Florida

TR-105 Old Buckingham Station, Chesterfield, Virginia, May 1995

TR-108 St. George Hotel Complex 16 Alarm Fire, Brooklyn, New York, August 1995

    • Legal Issues for Insurers

Fourth Circuit Vacates Summary Judgment for Negligence for Leaving Door Open Contributing to Fire

New York Court Upholds Dismissal of Action for Spoliation of Evidence

North Carolina Court Finds Insurer Who Inspected After Loss May Have a Duty to Warn Of Dangers

Privacy and Confidentiality Issues

handThe Arson Claim. From "Motive, Means and Opportunity."

Underwriting. From Motive, Means and Opportunity.

Courts Say a Recorded Statement is not an Examination Under Oath. National Fire and Arson Report. Vol. 14, No. 1 (March 1996). p 14-15.

Examination Under Oath: Inquiry or Inquisition. The Insurance Committee For Arson Control. Annual Meeting, January 21, 1998.

"Multiple Assureds: Does the Wrongdoing of One Affect the Rights of All?," International Association of Arson Investigators. Annual General Meeting, Auckland, New Zealand, May 9-May 14, 1993.

"Standard Fire Provisions"

    • Litigation Strategies for Insurers

What to Look for in SIU Counsel

Commercial Arson Cases: Investigation and Trial Strategies. Florida Advisory Committee on Arson Prevention. 16th Annual Seminar, November 11-13, 1992.

Effectively Defending the Insurance Claim: Coordination Of the Investigation and Assistance To Public Authorities. Emanuelson, Roger.

    • Insurance Fraud Indicators

The Year 2000 and the Potential for Fraud

Underwriting. From Motive, Means and Opportunity.

hand"Underwriting Against Arson." Robert A. Corry. American Re-Insurance Co.

Indicators of Property Fraud. National Insurance Crime Bureau.

Indicators of Application Fraud. National Insurance Crime Bureau.

Indicators of Catastrophe Fraud. National Insurance Crime Bureau.

Indicators of Casualty Fraud. National Insurance Crime Bureau.

Indicators of Workers' Compensation Premium Fraud. National Insurance Crime Bureau.

Indicators of Vehicle Theft Fraud. National Insurance Crime Bureau.

Fraud/Arson Indicators, Quick Reference Guide For Police and Fire Services. Canadian Coalition Against Insurance Fraud.

Indicators of Casualty Fraud. Insurance Crime Prevention Institute. 1989.

Red Flags for detecting Insurance Fraud, Canadian Coalition Against Insurance Fraud.

Insurance Fraud, Insurance Crime Prevention Institute (ICPI) Handbook for Insurance Personnel 1990.

    • Fire Investigation by Insurers

New York Court Upholds Dismissal of Action for Spoliation of Evidence

Privacy and Confidentiality Issues

Licensure of Fire Investigators and Professional Engineers

What to Look for in SIU Counsel

IAAI & ATF "A Valuable Partnership"

Civil Fire Investigation--Cooperation vs. Collusion. Inside Fire. Vol. IX. October, 1996..

Handling a Questionable Residential Fire. Insurance Committee For Arson Control. Phoenix, Arizona. January, 1995.

Proof Of Fraud Without an SIU: Techniques and Methods Of Investigation By the Insurer Without One. The National Society Of Professional Insurance Investigators. 1997 Advanced Insurance Fraud Seminar - November 20, 1997.

"NSPII - Using Computers and Technology In Insurance Investigation: The Internet and Beyond."

 

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