## In the News: Zero-Paid Claims Are Rising — What Does It Mean for the Industry?

We’re seeing a noticeable shift in personal lines: Claims without payment (CWP) have increased materially — in some cases 2–3x.

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## The “Just Asking” Gambit

**Assumption**: Customers making inquiries aren’t risks—they’re just confused.  
**Reality**: Repeat “what if” calls about coverage are often pre-loss rehearsals—and should be treated like soft

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## The Vengeful Risk

**Assumption**: Denied claims end the story.  
**Reality**: Some customers don’t give up—they escalate. Reframe. Refile. Shift lines. The So What “Denial revenge” is real.

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## The Deductible Dodger

**Assumption**: Small claims below the deductible means a responsible risk.  
**Reality**: Or it means a customer who tries to claim for every minor event.

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## The Vanishing Claim

**Assumption**: No claim payout means ‘no problem’.  
**Reality**: Not every closed-without-pay claim is harmless. Sometimes it’s a “test balloon”.

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## Connected Underwriting USA 2025

Excited to attend Connected Underwriting USA 2025 in Austin. “Hope to see you there for chat about risk selection and some new perspectives.”

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## Join us at the Scout Social Cleveland

The largest and most diverse gathering of local insurance professionals across P&C, Life, Health and Benefits. This high-energy event is not to miss.

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## Workers comp: The ‘Volunteer’

A common fraud in the WC insurance space is undercounting or overcounting “volunteers”. In most states, volunteers are not automatically covered.

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## Class code chicanery

A common underwriting fraud in WC is allocating employees to the wrong class code. For example, an auto repair shop saying they…

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## Workers Comp: Lowballing Headcounts

One common form of rate manipulation in WC is lowballing the employee count at policy inception. While an audit usually resolves this...

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## Water Wishful Thinking

**Underwriting Assumption**: “It says hydrant within 1,000 feet. Good protection class. Let’s move on.”  
**Reality**: I drove the street, squinted, then laughed out loud…

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## False or Omitted Asset Details

A common underwriting fraud tactic in both Home and Auto insurance is to manipulate auto and home asset details at POS to…