Falsifying damage and injury claims results in federal prison, not a claim payment.

A man bought insurance after the loss and filed a claim for preexisting damages.

When the damage occurred before the policy was in force.

When a gang takes over a cleaning company.

When a state legislator didn't take out the policies.

When a company owner underreports payroll for an extended period, it adds up.

An insured gets caught for setting fire to a home he owned.

When a repeat offender gets caught.

When an accident isn't declared on the application and the insurer discovers the falsehood.

When a policy is taken out in the name of a deceased relative.