Which of the following is NOT considered a potential indicator of insurance fraud?

The correct answer highlights that documented claims for expensive property are typically expected in the context of insurance transactions. Insurers often require documentation to substantiate claims, particularly for high-value items. Therefore, the mere submission of documented claims for expensive property does not inherently raise a red flag for insurance fraud; rather, it is a standard practice that insurers engage in to verify the legitimacy of a claim.

In contrast, the other options present more nuanced scenarios that can serve as indicators of potential fraud. Large, bulky property in a burglary claim may raise questions about the logistics and likelihood of such items being stolen or how they would fit into a thief's plans. Meanwhile, previous hypothetical questions about claims could suggest that a person is attempting to prepare for a potential fraudulent claim or has a premeditated plan. Claims made shortly after policy changes can be seen as suspicious because they might indicate that an individual is capitalizing on new coverage in a way that seems opportunistic rather than genuine.

Understanding these indicators helps fraud examiners differentiate between normal claims activity and those that might suggest an intent to commit fraud.