Ultimate Insurance Carrier Fraud Fighter – Doug Quinn

Disaster fraud victimizes survivors twice: already-traumatized policyholders get cheated by engineers or independent adjusters willing to tell carriers what they want to hear.

In disaster zones, insurers use third-party administrators who hire subcontractors who hire untrained people, creating a quality-control vacuum that enables fraud.

The APA isn't anti-insurance — insurance is a vital financial tool — but if a carrier can't earn an honest profit by delivering what it promised at point of sale, it shouldn't be in business.

Remember insurers are for-profit companies; the 'good hands / on your side' marketing is point-of-sale hype — your friendly agent doesn't adjust your claim, a separate back-end team you've never met does.

Dishonest contractors who cut corners (reused step flashing, drip edge, code violations) give carriers justification to tighten guidelines, and honest contractors get painted with the same brush.

Chasing rightfully-owed money from carriers is effectively a theft of your time — energy that produces nothing for your business, family, community, or the economy.

The APA takes member-submitted cases of license violations or criminal fraud, but prosecutors reject far more cases than they take; the biggest gap is lack of proof, and the APA must protect its credibility with prosecutors.

Actionable protocol for contractors: contact carriers in writing, record calls where legal, video-record and time inspections, get inspector IDs — building a documented chain of evidence for any future prosecution.