I am jumping in here kind of late, but this is the first night I have had time to catch up on the forums on CADO. As to the statement made early on in this thread that this subject does not apply to adjusters, I respectfully disagree. Although I can't go into detail because I am still involved to a certain extent, I worked IKE and ended up writing estimates and reports and investigated over 40 theft claims that was claimed to be a result of the hurricane and the lengthy power outage. These claims started with adjusting assignments for wind and water damage.
Just because an adjuster is working a cat, nothing really changes in our approach to adjusting claims and be prepared to handle any type of coverage issue besides storm that is encountered in commercial and residential sites. I have found defective construction in the past and turned it into a subrogation claim while working a cat, and found hazardous conditions within houses that were created by the homeowner and had to be dealt with. A cat adjuster has to be ready for anything. I found this thread to be informative and educational.
I had a restaurant client for whom I developed and maintained POS computer systems for many years. He had almost this same scenario. I don't remeber how his insurance claim turned out, but it was determined that the employee stole the money bag. However I don't think she confessed and did not go to jail that I can remember, but her career as a restaurant manager was no more.