Which action of an insured can raise suspicions before a loss occurs?

Asking specific questions about coverage can raise suspicions before a loss occurs because it may indicate that the insured is overly familiarizing themselves with their policy in anticipation of making a claim. When individuals engage in very detailed inquiries about coverage, especially right before a potential loss or incident, it can suggest that they are looking for ways to exploit the insurance policy for personal gain. This kind of behavior might signal to insurers that the insured is planning something dishonest, as it often signifies a heightened interest in the specifics of claims processes or benefits that could potentially be taken advantage of.

In contrast, general inquiries about policy limits or frequent calls to the agent might not inherently raise red flags, as these actions can simply be part of regular communication or due diligence in understanding one’s coverage. Therefore, it’s the specificity and timing related to the inquiries that can make the asking of specific questions about coverage particularly concerning from an insurance fraud perspective.