OREANDA-NEWS. August 12, 2009. The security department of ROSNO’s Privolzh’e Directorate has prevented an unjustified payment of 150,000 roubles of insurance compensation after a fire in a country house located in Kstovsky district, the Nizhny Novgorod Region, reported the press-centre of ROSNO.

In September 2008, this house was insured by the owner with ROSNO under the program "Podvor’e". This program contemplates comprehensive insurance coverage of a country house, movable property kept therein, as well as household installations located on the homestead land. The contractual risk package includes the risk "Fire". The insurance transaction was conducted without visual examination of the insured object, on the basis of the photographs provided to the insurer by the client.

In February of the running year, the insurant claimed an insured accident (fire), which allegedly occurred within the period from early December 2008 to January 2009, and furnished the company with the relevant documents issued by the State Fire Supervision Division for the town Kstovo and Kstovsky district, the Nizhny Novgorod Region. ROSNO Security Department has conducted an investigation of this insured accident. The investigation has proved that this house had already burned out by the date of conclusion of the insurance contract (in August 2008), and, consequently, the event claimed as an insured accident occurred prior to the commencement of effective period of the insured contract.

Owing to the professional actions of specialists from ROSNO Security Department, the fraud has been uncovered. The company refused to pay insurance compensation to the dishonest insurant.