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(Jacksonville.com)   Protip: If you're going to commit insurance arson, you might want to wait for more than 18 hours after you bought the policy   (jacksonville.com) divider line 35
    More: Florida, Jacksonville, insurance policy, arsons, video game systems  
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4700 clicks; posted to Main » on 22 Aug 2012 at 2:08 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-08-21 11:54:18 PM
Insurance arson? Is that like burning down your insurance provider?
 
2012-08-22 12:33:41 AM
i.imgur.com
 
2012-08-22 02:00:07 AM
The real douchebaggery here is this guy lives in an apartment. He's putting other people's lives at risk for insurance fraud. Should get an attempted manslaughter charge on top of the arson.
 
2012-08-22 02:18:43 AM

MayoSlather: The real douchebaggery here is this guy lives in an apartment. He's putting other people's lives at risk for insurance fraud. Should get an attempted manslaughter charge on top of the arson.


Nah. He should just be left alone with some responsible fire bugs who don't go around burning places down without permission. Just give them whatever fuel they ask for and don't ask what they did with it or him.

Not that it would matter after a bonfire big enough to melt rock.
 
2012-08-22 02:24:55 AM
the_sidewinder: Insurance arson? Is that like burning down your insurance provider?

Perhaps subby meant fraudulent arson.  This is much different than legitimate, uninsured arson.
 
2012-08-22 02:26:30 AM
Insurance Arson, more commonly known as Jewish Lightning.
 
2012-08-22 02:27:19 AM

AbbeySomeone: the_sidewinder: Insurance arson? Is that like burning down your insurance provider?

Perhaps subby meant fraudulent arson.  This is much different than legitimate, uninsured arson.


"Legitimate" arson? I think you mean "forcible" arson.
 
2012-08-22 02:29:09 AM
That's some mighty fine police work there, Lou.
 
2012-08-22 02:45:05 AM

RoyHobbs22: Insurance Arson, more commonly known as Jewish Lightning.


Oy.
 
2012-08-22 02:46:56 AM

RoyHobbs22: Insurance Arson, more commonly known as Jewish Lightning.


Keyboard, you owe me one.
 
2012-08-22 02:51:15 AM

jdamaral: RoyHobbs22: Insurance Arson, more commonly known as Jewish Lightning.

Keyboard, you owe me one.


I heard it from Kinky Friedman.
 
2012-08-22 02:51:28 AM
About $10,000 went toward electronics and video game systems, as Koepke said her husband was fond of playing.

There but for the grace of God go I.

The new policy went into affect immediately upon purchase the morning of Sept. 14, 2011. The second fire, deemed as arson, went ablaze in the early hours of Sept. 15, 2011.

Wait scratch that, this guy's an absolute moran.
 
2012-08-22 03:09:02 AM

fusillade762: AbbeySomeone: the_sidewinder: Insurance arson? Is that like burning down your insurance provider?

Perhaps subby meant fraudulent arson.  This is much different than legitimate, uninsured arson.

"Legitimate" arson? I think you mean "forcible" arson.


The building was just asking for it. Otherwise, its natural defenses would have put out the fire.

/if you didn't want to get torched, you shouldn't have been made of wood
 
2012-08-22 03:15:09 AM

common sense is an oxymoron: fusillade762: AbbeySomeone: the_sidewinder: Insurance arson? Is that like burning down your insurance provider?

Perhaps subby meant fraudulent arson.  This is much different than legitimate, uninsured arson.

"Legitimate" arson? I think you mean "forcible" arson.

The building was just asking for it. Otherwise, its natural defenses would have put out the fire.

/if you didn't want to get torched, you shouldn't have been made of wood


A serious case of "Jewish Lightning".
 
2012-08-22 03:19:11 AM
Tell me more about this "in-sewer-ants"...
 
2012-08-22 03:26:09 AM
What you've done is a textbook case of insurance "fra-oud?".

/probably really done by a giant fire breathing insect.

//Good. Good.
 
2012-08-22 03:29:11 AM
Just about 18 hours old was Christopher Joseph Koepke's renters insurance policy when the incredible misfortune of a fire struck at his Jacksonville apartment in September 2011. But he knew the value of good planning after a fire had struck at his first unit at the Columns apartment just six months prior.

Make this a drinking game. Do a shot for every use of passive tense.

/I misread a "fire struck" as "fire truck" on the first reading attempt
//Fires strike things?
 
2012-08-22 03:42:48 AM
Koepke had purchased the first policy just weeks before the initial fire in March 2011 on the recommendations of the apartment staff when renewing his lease, according to his wife who testified Tuesday. The police maximum of $40,000 was paid out to the Koepkes.

I assume that should be "policy maximum". But I'm more interested in the $40,000 payout. What apartment dweller (outside of Central Park West) has $40,000 worth of property in their apartment? Or even $40,000 combined in both property and relocation expenses? I'd take a serious look at whoever wrote that initial policy. And the second one.
 
2012-08-22 03:57:08 AM
$40k is a large but not impossible to hit number. You have to buy everything new. The kitchen items and the clothes add up quickly. Throw in a bike, a tv, jewelry you could get there
 
2012-08-22 04:01:01 AM

EvilEgg: $40k is a large but not impossible to hit number. You have to buy everything new. The kitchen items and the clothes add up quickly. Throw in a bike, a tv, jewelry you could get there


don't forget the shih tzu
 
2012-08-22 04:06:49 AM
Oh no, Joseph Koepke
You've done it again.
This boy don't need a shrink
He needs a year in the pen.
 
2012-08-22 04:29:16 AM
I'm far more likely to vote Dumbass if I was on the jury.
The article fails to mention any evidence other than "it happened the next day"... maybe the idiot leaves fried chicken on the stove while playing games?


Stupid is still arson, but it isn't insurance fraud.
 
2012-08-22 06:13:05 AM

prjindigo: I'm far more likely to vote Dumbass if I was on the jury.
The article fails to mention any evidence other than "it happened the next day"... maybe the idiot leaves fried chicken on the stove while playing games?


Stupid is still arson, but it isn't insurance fraud.


I thought 'arson' meant by definition that a fire was set intentionally.
 
2012-08-22 07:15:46 AM
But I need the moneee naaaooooww!!

/SomethingToDo, a tip of the hat to you and your luggage.
 
2012-08-22 07:17:52 AM
But did they burn it down with lemons?
 
2012-08-22 07:45:25 AM
Were cigars involved and did he claim that they were lost in a series of small fires?

/dnrtfa
 
2012-08-22 07:57:07 AM

doglover: Just give them whatever fuel they ask for and don't ask what they did with it or him.


I need 12 gallons of pure H202, 40 pounds of magnesium powder, and 3 large tanks of acetylene. Give me these, and I shall forge you the fires of hell. For, um, research or something.
 
2012-08-22 08:16:49 AM

EvilEgg: $40k is a large but not impossible to hit number


In 1994 the kid across the hall from my condo decide to play with matches. I lost almost every thing and you bet cost add up fast. At one point the claims adjuster was listing wall hangings as "improvements" to move them to a category that wasn't maxed out.

I never had insurance as I really didn't own much but I had just got married and my wife had a ton of stuff. I got the policy in September and the fire was the next January, I hadn't been bill for the policy yet.
 
2012-08-22 08:55:22 AM
My firm sells insurance and just got rid of a client who, in 18 months, had 3 claims for roof repair due to hail damage and 2 kitchen fires, yet never actually completed any of the repairs after getting the 20% up front to start the work, so I'm getting a kick out of these replies.
 
2012-08-22 09:03:22 AM
Fraud trifecta complete?

Man leaves car he can't afford running in Times Square
Woman fakes hate attack for attention
Man burns down his apartment

jtown: I assume that should be "policy maximum". But I'm more interested in the $40,000 payout. What apartment dweller (outside of Central Park West) has $40,000 worth of property in their apartment? Or even $40,000 combined in both property and relocation expenses? I'd take a serious look at whoever wrote that initial policy. And the second one.


High end camera equipment can fit $40k in a small tupperware bin. With a $10k gaming habit, it wouldn't surprise me if he had other tech fetishes as well. (also, lol at "police maximum")

SharkTrager: My firm sells insurance and just got rid of a client who, in 18 months, had 3 claims for roof repair due to hail damage and 2 kitchen fires, yet never actually completed any of the repairs after getting the 20% up front to start the work, so I'm getting a kick out of these replies.


As much as I've biatched about insurance companies steering work to their scammy contractors, I suppose that it really is a good idea to work directly with them. Or better yet, just put most of the money in escrow, like other large financial transactions.
 
2012-08-22 09:13:48 AM

jtown: Koepke had purchased the first policy just weeks before the initial fire in March 2011 on the recommendations of the apartment staff when renewing his lease, according to his wife who testified Tuesday. The police maximum of $40,000 was paid out to the Koepkes.

I assume that should be "policy maximum". But I'm more interested in the $40,000 payout. What apartment dweller (outside of Central Park West) has $40,000 worth of property in their apartment? Or even $40,000 combined in both property and relocation expenses? I'd take a serious look at whoever wrote that initial policy. And the second one.


You would be surprised at how quickly things add up. Electronics is a big one, but add furniture, your entire clothing collection, food from your fridge and pantry, pots pans dishes silverware. Your toolbox, your childs toys, that bicycle in your storage closet, etc. Add to that the cost of staying in a hotel while the building is being repaired or rebuilt, and you can come to 40k fairly quickly.
 
2012-08-22 10:14:17 AM
This plan is perfect! Only a fool would cash in on a policy he got the day before. It's so absurd, no one will believe it wasn't coincidence. Like driving a new car off the lot and getting into an accident in front of the dealership. It happens!

/Clever like fox.
 
2012-08-22 10:34:13 AM

MythDragon: doglover: Just give them whatever fuel they ask for and don't ask what they did with it or him.

I need 12 gallons of pure H202, 40 pounds of magnesium powder, and 3 large tanks of acetylene. Give me these, and I shall forge you the fires of hell. For, um, research or something.


Give me a few kilos of hexanitro, some chlorine trifluoride and a medicine-ball-sized block of the aptly-named FOOF. Give me these, and I shall forge you the fires of hell out of gravel, fire-retardant foam, and WATER.

For science!
 
2012-08-22 11:22:10 AM

King Something: some chlorine trifluoride


fark a bunch of that. When a group of people whose sole purpose is genocide in the most horrendous ways possible says "That stuff is too nasty", that is saying something.
 
2012-08-22 05:45:02 PM

foxyshadis: As much as I've biatched about insurance companies steering work to their scammy contractors, I suppose that it really is a good idea to work directly with them. Or better yet, just put most of the money in escrow, like other large financial transactions


The law here is that they get 20% to get the work started and then, depending on the situation, either paid in full when completed or percentage completion distributions. This guy everyone knew what was up though, but the roof stuff in particular gets tricky. We're glad to be rid of them though.
 
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