Conducting an Effective Claims “Pre-Investigation” By Sally Anleu FCI Investigations

1. Conducting an Effective Claims “Pre-Investigation”BySally AnleuFCI Investigations

2. Sally Anleu, President FCI Investigations 600 Decatur Avenue Brooksville, FL 34601 877-214-4996 (phone) 877-214-4997 (Fax) www.fciinvestigations.com sanleu@fciinvestigations.com

3. What is the definition of an expert?

4. EXPERT Someone who is from out of town!

5. Initial Statement • It’s all about respect • Asking the right questions

6. It’s all about respect • Make them feel comfortable • Inform them of your intention not to disrespect them • Reassure them of your assistance • Let them know their assistance is important to resolve the claim

7. ASKING THE RIGHT QUESTIONS • Contact information • Identity • Addresses • Education • Occupational • Family Members • Vehicles at Residence

8. What do we do with all this information?

9. LOCATE CLAIMANTS AND WITNESSES

10. Social Network Sites • What is Social Networking • Most popular free sites • People search sites

11. What is Social Networking? • An online community of people with a common interest who use a website or other technology to communicate with each other and share information. • Depends on people being able to find and link to each other. • People create “profiles” and posting text, images, videos, and other information

12. Most Popular Free Sites • Facebook • Twitter • MySpace • LinkedIn • YouTube • Pinterest • Vine • Tumbler • Newsle

14. Facebook Facts • 750,000,000 estimated monthly visitors • Facebook pays $500 to anyone who can hack into it • Approximately 20% of all photos will end up on Facebook • Facebook users change their profile picture 3 times as often as they did in 2006

15. PRIVACY

16. Definition of Privacy The intrusion into the personal life of another, without just cause, which can give the person whose privacy has been invaded a right to bring a lawsuit for damages against the person or entity that intruded.

17. An otherwise non-public individual has a right to privacy from:1.)intrusion on one’s solitude or into one’s private affairs2.) public disclosure of embarrassing private information3.) publicity which puts him/her in a false light to the public4.) appropriation of one’s name or picture for personal or commercial advantage

18. FreddiStaur

19. Sophos findings: • 87 of the 200 Facebook users contacted responded to Freddi, with 82 leaking personal information (41% of those approached) • 72% of respondents divulged one or more email address • 84% of respondents listed their full date of birth • 87% of respondents provided details about their education or workplace • 78% of respondents listed their current address or location • 23% of respondents listed their current phone number • 26% of respondents provided their instant messaging screenname

20. “Well, to tell you the truth, I lied a little” Quote from Jake Gittes - Chinatown

21. Pretexting Is it illegal?

22. National Association of Insurance Commissioners • No insurance institution, agent or insurance support organization shall use or authorize the use of pretext interviews to obtain information in connection with an insurance transaction; provided, however, a pretext interview may be undertaken to obtain information from a person or institution that does not have a generally or statutorily recognized privileged relationship with the person about whom the information relates for the purpose of investigating a claim where, based upon specific information available for review by the Commissioner, there is a reasonable basis for suspecting criminal activity, fraud, material misrepresentation or material nondisclosure in connection with the claim. • (NAIC Model # 670 Section 3)

23. How we use Facebook • Photos • Places • Timelines • Friends

24. Twitter

25. Twitter • Estimated 250,000,000 monthly visitors • Let’s users share thoughts, ideas, and photos • Provides real time information

26. Tweetpaths • Shows distance and speed when tweeting • Shows location of tweets

27. Twitonomy • Allows you to see who person is tweeting the most with • Offers a customized spreadsheet or PDF

28. MySpace • 70,500,000 estimated monthly visitors • Members under the age of 16, profiles are automatically set to private • Geared more towards bands, artists, and music professionals as it allows streamed music

29. LinkedIn • Used by business professionals • Creates links between business professionals • Allows the member to create a business profile • Work History • Educational History • Skills and expertise

30. YouTube Video sharing website which users can upload, share, and view videos

31. Pinterest Photo sharing web-site that allows users to create and manage theme-based image collections such as events, interests, and hobbies.

32. VINE Video Sharing App Vine is a mobile app owned by Twitter that enables its users to create and post short looping video clips

33. TUMBLR A social networking site owned by Yahoo The service allows users to post multimedia and other content to a short-form blog.

34. NEWSLE Social Networking Site Allows you to find people that have been in the news

35. What is the pattern? 8,5,4,9,1,7,6,3,2,0

36. People Search Sites • Spokeo • Mylife • Peekyou • Pipl.com • Blackbookonline.info

37. Photo Sharing Web Sites • Instagram • Iphoneogram • Snapchat • Four Square • Photome • Google Images

38. USERNAMES • Peekyou.com • Namechk.com

39. Information sites • Lexis Nexis • Add123 • TLO • IRB Search • Merlindata • Locate plus

40. Other Web Sites • Progressive.com • Whitepages.com • Flclerks.com • Sunbiz.org • Mugshot.com • https://apps.fldfs.com/claimsweb/ClaimSearch.aspx • Myfloridalicense.com • www.dc.state.fl.us • www.studentclearinghouse.org • Secure.ssa.gov • Google

41. Other Notable Web - Sites • Hidemyass.com • Alibinetwork.com • Spydialer.com

42. PHONE APPS • Tinder – Hook up application • Kik Messenger – Hides text messages from bill • Chatroulette – Video chat site

43. How Is Social Media Useful In Investigations • Verifying policy application information • Verifying facts of reported loss • Checking or Monitoring Claimant’s activity

44. WHAT DO WE DO WITH THIS INFORMATION?

45. Document, Document, Document • Video Capture entire page • Use Screen print-outs