For Immediate Release: November 12, 2010

Wilkes County Woman Charged with Insurance Fraud

Insurance agent is accused of submitting false claims after a fire destroyed her home.

RALEIGH -- Insurance Commissioner Wayne Goodwin today announced the arrest of Frances Moore, 62, of 286 Lithia Valley Road, Moravian Falls. Moore, an insurance agent and owner and operator of Fran Moore Allstate Agency, is charged with 14 counts of insurance fraud.

Department of Insurance criminal investigators allege that Moore substantially misrepresented her actual loss when she submitted claims documentation to Allstate Insurance after a June 2008 fire at her Wilkes County home.

Security personnel at a retail store in Hickory became suspicious and notified the Department's Criminal Investigations Division after observing Moore returning merchandise shortly after its purchase on several occasions. When investigators contacted Allstate Insurance, the company identified irregular activity surrounding Moore's claims. Investigators accuse Moore of using receipts from the returned merchandise to file an undisclosed amount of fraudulent claims.

Moore was arrested on Nov. 9 and placed under a $10,000 unsecured bond. She is to appear in Wilkes County court on Nov. 15.

The Department of Insurance employs 20 sworn law enforcement officers dedicated to investigating claims of insurance fraud. So far in 2010, these criminal investigators have seen more than 268 cases successfully closed with more than $18.5 million in restitution and recoveries, 54 criminal convictions and 89 arrests.

An estimated 10 cents of every dollar paid in premiums goes toward the payment of fraudulent claims. To report suspected fraud, contact the Department of Insurance Criminal Investigations Division at 919-807-6840. Callers may remain anonymous. Information is also available at