Residency Investigation Checklist

This document outlines a comprehensive checklist designed for conducting a thorough investigation into the residency status of insured individuals. It includes various steps and methods to verify the residency claims made in insurance policy applications, ensuring that all provided information is accurate and truthful. The checklist covers:

1. Statements: Collection of statements from the named insured(s), spouse, drivers, occupants at the policy address, and neighbors at both the policy and other known addresses.
2. Electronic Records: Reverse searches using address and phone number from the policy application, and name searches nationally for the insured, spouse, and driver of the insured vehicle.
3. Policy Records: Copies of the agent's file and company’s microfiche/image documentation.
4. Public Records: Review of property tax records, voter registration information, school records for children, and driving records of all policy-listed drivers.
5. Field Investigation: Photos and diagrams of the house, detailing the number of bedrooms, bathrooms, etc.
6. Private Records: Verification of home purchase agreements, rental lease agreements, mortgage bills, and payment records. Additionally, telephone, power/electric, gas, cable bills, and W-2's & federal/state tax returns for the last 3+ years across all known addresses.

This checklist serves as a detailed guide for insurance professionals to validate the residency information provided by policyholders, essential for mitigating risk and ensuring policy compliance.