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- Financial Investigation
- Sources of Financial Information
 Financial Investigation Sources of
Information, ATF Audit Services Division.
Table of Suggested Financial Investigation
Records, ATF Audit Services Division.
Sources of Intelligence Checklist.
Tax Returns that May Be Requested in a
Financial Investigation
Banks and Lending Institution Records
Court Records
Other Financial Records
Financial 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
Tax Returns that May Be Requested in a
Financial Investigation
Banks and Lending Institution Records
Court Records
Other Financial Records
Financial Database Records
Suggested 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
Financial Investigation Outline,
ATF Audit Services Division.
Conduct Financial Investigation
- Interviewing Checklists for Financial Information
Interviewing Checklist for Accountants
and Bookkeepers
Interviewing Checklist for Owner
Using a CPA Can Show You the Money
RISS
- Fraud and Arson Case Studies
Arson 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.
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.
"The Agent's File," Working
Paper by Guy E. Burnette, Jr., Esquire (1998)
"The Claim File," Working
Paper by Guy E. Burnette, Jr., Esquire (1998)
"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.
"How to Analyze Insurance Documents
in a Fire Investigation: The Homeowner Application." Toscano,
Joseph. 1998.
"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.
"How to Analyze Insurance Documents
in a Fire Investigation: Claim Acknowledgement and Records Request."Toscano,
Joseph. 1998.
 U 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: Inquiry or Inquisition.
The Insurance Committee For Arson Control. Annual Meeting, January 21,
1998.
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.
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 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 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
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
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
Arson 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
"The Agent's File," Working
Paper by Guy E. Burnette, Jr., Esquire (1998)
"The Claim File," Working
Paper by Guy E. Burnette, Jr., Esquire (1998)
"The Underwriting File,"
Working Paper by Guy E. Burnette, Jr., Esquire (1998)
"How to Analyze Insurance Documents
in a Fire Investigation: The Homeowner Application." Toscano,
Joseph. 1998.
"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.
"How to Analyze Insurance Documents
in a Fire Investigation: Claim Acknowledgement and Records Request."
Toscano, Joseph. 1998.
Interpret Insurance Records
"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 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.
Other Laboratories and Technical Experts,
B. Wesley Sherman.
Laboratory Analysis. (reprinted from Kirk's
Fire Investigation, 4/E by John D. DeHaan.)
Evidence Collection and Laboratory Analysis
ATF National Laboratory Center
(description of analysis that can be performed and instructions for the
collection and submission of common fire scene evidence)
The Lab Analysis. From "Motive,
Means and Opportunity."
Sample 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
Determining 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
Essential Findings
on the study of Serial Arsonists
Determining 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+.
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
Visual Investigative Analysis, Rick
Weber (description, illustration of VIA charting, samples of cases charted
using VIA).
Visual 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
"Underwriting Against Arson."
Robert A. Corry. American Re-Insurance Co.
The 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 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
The 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.
"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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