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An Illustrated Guide to Fake Certificates

This blog has addressed the topic of fake certificates in the past. These fraudulent documents happen in nearly ever industry, but are most commonly provided by contractors to homeowners. A homeowner recently attempted to file a claim with Hayes for work done by a tree trimmer. The tree trimmer provided a certificate of insurance to the homeowner from Hayes, using an old certificate from when they were insured by Hayes years prior. This fraudulent certificate provides a wealth of information on how to spot fakes. From The Top The certificate date appears to be in a slightly larger font that the rest of the type on the page. It also could be more centered.  Most likely, the perpetrator scanned the certificate and edited it without checking the font size. The Contact Name shows a department name rather than a contact name at the agency. The phone number is also invalid. The number listed should be a valid number for the agency. Insurer B on this particular certificate does not actually do business in California. KEMI is a Kentucky based insurance carrier. The Middle There are a couple of things wrong with the middle section. To the left, there are handwritten Xs in the boxes. While this may have been common in the past, technology today makes checking a box as easy as clicking a radio button in the software. Many policies may have a Per Project Aggregate and a Per Location Aggregate on the same policy, but the certificate will usually only indicate one or the other. The middle box shows the same policy number for the General Liability,...