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Transcript

1. www.InsuranceFraud.org
2. BOARD OF DIRECTORS & MEMBERSHIP MEETING
3. INTRODUCTIONS STEVE PERRY co-chair
6. EXECUTIVE COMMITTEE REPORT
7. NEW MEMBERS • United Healthcare, Optum Insight • The Robison Group • Inovatus LLC
8. UPDATED STRATEGIC PLAN • Organizational strength: ability to forge alliances • Weaknesses: membership growth and lack of succession planning • The organizational chart updated • External trends: impact of social media legislation • Health care reform and public/private collaboration
9. • Update "United We Brand" white paper • Less focus of the threat of federal regulation • Creation of a Succession Planning Subcommittee. RECOMMENDATIONS
10. 2012 EXECUTIVE COMMITTEE • Bill Newton — Florida Consumer Action Network • Steve Rutzebeck — Geico • Jimmy Doyle — Prudential • Don Rounds — Consumer Alliance
11. GOALS 1. Draft operational plan for 2013 2. Increase membership by at least 11 organizations 3. Provide nancial oversight
12. NOMINATIONS REPORT DON ROUNDS, CHAIR Secretary: Ralph Burnham — Pennsylvania Insurance Fraud Prevention Authority Co-chair: Frank Sztuk — Hanover Insurance Treasurer: John Sargent — MetLife
13. For Board of Directors Dominic Dugo Office of District Attorney, San Diego NOMINATIONS REPORT DON ROUNDS, CHAIR
14. www.InsuranceFraud.org
15. FINANCIAL REPORT
16. Keri Kish • John Sargent
17. 0 155,000 310,000 465,000 620,000 Income — through Q3 $611,900 $562,331
18. 0 150,000 300,000 450,000 600,000 Expense — through Q3 $596,108 $493,500
19. 2012 BUDGET • Dues income at • Lower investment income • Higher expenses for bene ts and rent • Funding only one of four research projects
20. www.InsuranceFraud.org
21. PUBLIC INFORMATION COMMITTEE REPORT
22. 2011 SCORECARD Frank Sztuk Chair Jim Quiggle Director
23. MAKING NEWS
24. • 461 stories • 25 topics • All lines
25. HIGHLIGHTS
26. HEADLINES
27. TV NEWS
29. • Leadership-level • Key trends • Insight, analysis, solutions
30. • Settlement mills • Compound meds • Spinal scams • Insurer service
31. HALL OF SHAME No-Class of 2011
32. • Most brazen • Vicious • Plain dumb
33. The National Underwriter Company DECEMBER 2011 Volume 59 ࡯ Number 12 ࡯ PropertyCasualty360.com The Customer Value Chain page 29 The Adjuster’s Little ‘Black Box’ Identifying Liabilities, Subrogation Opportunities page 26 BI Claims and Forensic Accounting The Sum of Many Components page 32 Data-Driven Cost Cutting Ten Ways to Save When Handling Claims page 37 ࡯ Plus ALE and Shelter for Insureds page 14 Near, Far-Fetched Disasters page 46 Inducting the year’s MOST SHAMELESS FRAUDSTERS See Page 20 The Not-So- Invisible Circus
34. MILLER: MASSACRED 5
35. JEWELERS: HOAX HASSIDS
37. ...Ride the revolution Catch the digital wave...
38. social media revolution
39. • Comment, analyze trends • Brand fraud as wrong • Post fraud stories
41. FOLLOWERS • 544 Facebook fans • 400 Twitter followers 28% growth
42. TOP 5 WEBSITE FEATURES • Fraud Statistics • News • Report Fraud • Fraud Bureaus • Consumer Information
43. WEBSITE VIEWS 0 12,500 25,000 37,500 50,000 Nov 2010 Dec Jan 2011 Feb March April May June July Aug Sept Oct Nov
44. 0 15,000 30,000 45,000 60,000 Jan Feb March April May June July Aug Sept Oct Nov 2011 2010 2009 PAGE VIEWS
45. • 75% useful-very useful • 90% length just right • More consumer advocates
46. Los que fingen heridas están fuera de contacto. Los que fingen heridas están fuera de contacto. Cometa fraude por un accidente de trabajo y perderá mucho más que su trabajo. Si sospecha que alguien cometió una estafa, hable inmediatamente con su supervisor o visite: www.Insurancefraud.org/Spanish
47. 2012 GOALS • Launch consumer-alert campaign • Finish upgrade of website Consumer Section • Expand use of social media • Explore providing IFPA’s TV spots to states • Update United We Brand
48. MARCOM AWARD Fake health plans: bad medicine
49. www.InsuranceFraud.org
50. Phae Howard Executive Director -------------------------- The National Center for the Prevention of Home Improvement Fraud www.preventcontractorfraud.org
51. Insurance Companies Get a Bad Rep Contractor fraud is an enormous problem for insurance companies. Dishonest contractors increase fraudulent claims. Fraudulent claims damage the relationship between policyholders and insurance companies. That damage, damages the insurance companies’ reputation and ultimately, their image; of course negating all marketing efforts.
52. MISSION STATEMENT NCPHIF’s mission is to educate homeowners BEFORE they begin a home improvement or home repair project, to greatly reduce the chances of victimization or contractor fraud. We do this by providing homeowners with valuable information and resources so they can become their own quality control managers. By empowering homeowners with knowledge around “Best Practices” we can begin to win the war on contractor fraud and claim our communities as contractor “Fraud-Free Zones.”
53. “Owning a home is scary enough, we don’t want to worry about getting ripped off when we have to do repairs.” New Homeowner
54. “It took me 77 years to learn not to give my money upfront to a contractor.” Atlanta Resident
55. Typical Victims • Storm/Disaster Victims • Seniors • First Time Homebuyers • Women • Those who speak English as Second Language • The Physically Impaired • Low – Moderate Income Communities • Rural Communities • Any Homeowner
56. fraudulent claims illegal contracts large upfront deposits theft of funds paid up front faulty workmanship property liens identity theft/property theft over inflated pricing substandard materials incomplete jobs cost overruns SOME FORMS OF VICTIMIZATION
57. Common Scams • Lowest Bid • Homeowner is told to get building permit • 100 year warranty • Money up front • Use his lender • Discount on left over supplies • Free roof or damage inspection after a storm • Pressure selling • Contract different from verbal quote • Roofer gives you document
58. Common Scams (cont.) • Cash only • Prays on your sympathy • Early delivery of materials • Identity theft • Comes back to rob you • Will pay your insurance deductible • Will handle your insurance paperwork • Installs cheaper materials • Doesn’t pay subs or suppliers
59. Problems • Accurate data on fraud difficult to obtain • Embarrassed victims don’t report • Lack of awareness they have been victimized • Trade associations lack power • Third party referrals/false security • Better Business Bureau • Law enforcement lacks adequate legislation and staff • Insurance companies are blamed
60. SmartPower Workshops NCPHIF’s "SmartPower" workshops “How to Protect Yourself From Home Improvement or Home Repair Contractor Fraud” are FREE and open to the public. Homeowners learn to become their own quality control managers, working effectively with contractors and suppliers while protecting their home during a home improvement or home repair project.
61. What We Cover • Introduction/Overview • Contractor Scams • Before the Project • During the Project • After the Project • Working with Your Insurance Agent • Protecting Yourself Legally • Greenwashing (Green Fraud) • Questions and Answers
62. Workshop Speakers City officials: (Mayors, Fire Marshals, State Representatives, County Executives, City Managers) Insurance Commissioners Attorneys General FEMA Disaster Inspectors Insurance Agents and Claim Managers Local Police Local Building & Zoning Personnel Consumer Reporters Attorneys/Prosecutors Green Building Experts Small Business Administration
63. Results of NCPHIF’s Efforts · Homeowners can feel more confident and knowledgeable when overseeing their home improvement or home repair projects. · Honest and ethical contractors can focus on providing quality service at reasonable rates to continue to serve their customers and grow their business. · Lenders will have fewer foreclosures as informed homeowners prevent financial hardships commonly associated with contractor fraud. · Insurance companies can better manage their rates and customer relationships with the reduction of fraudulent claims. · Government offices, law enforcement agencies, and businesses can spend less time and money pursuing unscrupulous contractors as fraud complaints decline.
64. Other NCPHIF Services • Public Awareness Campaign • National Call Center • Disaster Response • Emergency Kits • Training Community Oriented Law Enforcement • Laminated Cards
65. Benefits for Insurance Companies • Your existing policyholders can become their own quality control managers by attending Smart Power workshops.
66. Benefits for Insurance Companies • You will positively increase your presence in the community as a result of working with NCPHIF. State Farm Public Affairs Specialist Gary Stephenson, Phae Howard, Executive Director of NCPHIF, North Little Rock City Building Code Officer Robert Voyles, Little Rock Mayor Mark Stodola, and Arkansas State Representative Allen Kerr visit at the workshop in Little Rock.
67. Benefits for Insurance Companies • We are a resource to insure an effective, proactive and preventative vehicle for reducing contractor fraud. Power Springs Council Member Tom Bevirt, Mayor Patricia Vaughn, Council Member Rosalyn Neal and NCPHIF Executive Director, Phae Howard.
68. Benefits for Insurance Companies • Agents will have the opportunity to speak directly to homeowners and potential homeowners that attend Smart Power workshops.
69. Benefits for Insurance Companies • NCPHIF highly recommends to homeowners that they contact their insurance agent before they begin a home improvement project, fostering another line of communication between agents and their customers.
70. QUESTIONS AND ANSWERS THANK YOU! Phae Howard – phae@ncphif.org