55 Year Old Woman Charged with Insurance Fraud


August 11, 2014:  Philadelphia Insurance Fraud Unit (IFU) detectives began to investigate 55 year old Annette Shirley White after receiving a fraud referral from Met Life Insurance Company. On March 3, 2011, White applied for a homeowner’s policy with Met Life Insurance Company after her previous policy with Liberty Mutual was cancelled due to non-payment. During the application process, representatives from Met Life inquired whether White had ever had a policy cancelled due to non-payment or if she had filed any claims under her former policy during the last five years. White denied both questions; however, the investigation later revealed that White had not answered truthfully during her policy application.

The day prior to White’s Met Life Insurance Company policy inception, the City of Philadelphia Department of Licensures and Inspections received a complaint that stated that the rear wall of White’s property was collapsing and that cement blocks were falling to the ground.  Two days later, the Department of Licensures and Inspections issued a safety violation to White after a representative deemed the wall unsafe. On March 7, 2011, White filed a claim with Met Life Insurance Company alleging that the same wall had collapsed following a particularly heavy rainstorm. Met Life then hired an engineer who concluded that the wall had collapsed due to structural deterioration resulting from poor maintenance rather than because of a storm.

Based on the investigation, detectives concluded that White not only misrepresented herself during her policy application, but that she also filed a fraudulent claim in which she indicated that her wall had collapsed due to a storm rather than because of ongoing neglect. White was arrested on August 11, 2014 for Insurance Fraud (F-3), Insurance Fraud (M-2), Theft by Unlawful Taking, Theft by Deception, and Attempted Theft by Deception. She is next scheduled to appear in Philadelphia Municipal Court for a status listing on August 18, 2014.

This case is specially assigned to Detective David Fisher and ADA Vicki Markovitz of the Insurance Fraud Unit.


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