In Samantha Higgins' fire incident, what is the fraud indicator relating to the items claimed?

The option that indicates a fraud indicator in Samantha Higgins' fire incident is that mostly appraised and scheduled items were lost in the fire. This is significant because insurance fraud often involves claiming high-value items that are either not owned or not lost in a legitimate event. When a claimant has a substantial number of appraised items, it raises a red flag, suggesting the possibility of premeditated fraud, especially if these items are scheduled for coverage and show significant value in the claim. This specificity in the loss makes it suspicious, as it could imply that the items were purposely destroyed or disposed of to benefit from the insurance payout.

In contrast, the other choices do not inherently suggest fraudulent intent. If items were not appraised, it could indicate negligence rather than fraud. The timing of the fire while Samantha was at work could be coincidental and does not directly imply deception. Lastly, while a recently purchased policy could sometimes be seen as suspicious, it is not a definitive indicator of fraud without additional context regarding the nature of the claims made.