“Be aware that your claims are properly investigated. For instance, insurers check through past claims history to see if there is a pattern.
Insurers also maintain a list of customers who have chalked up frequent questionable claims. They then share information by submitting suspicious cases to GIA for circulation among member firms.
This alerts other companies so cross-checks of multiple claims by the same person can be carried out. At times, a common investigator, such as a loss adjuster, can be engaged by the insurers to help investigate and validate claims.”