Why insurance companies love us

Insurance companies make their money on probability and premiums. The goal is to have up to 10x as much money coming into the company than goes out every year. Every so often you end up with a large-scale catastrophe that ends with a large sum of money being written out to your customers, but one thing to keep in mind is that catastrophes don't necessarily mean everybody is affected.

As an insurance company, you should always make sure that you are only executing claims that you absolutely have to, otherwise you're losing money. When the claim is related directly to personal property, it is always in your best interest to hire a forensic engineer. The time always comes when your adjuster just doesn't quite know for sure, and the claim is too large to let it go un-researched. Sending out a forensic engineering company to do an insurance investigation into whether or not it was a fraudulent claim is extremely important!