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IA's tend not to use the "F" word. That said, yes, personal property is an area that is the most susceptible to "padding", as subsequent to a catastrophic loss, verification of the presence and values of certain items can be difficult. Most savvy adjusters perform their own financial forensics via requesting receipts, credit card statements or photos of the reported inventory. I have no idea how analytics could be applied to a property loss, unless you were going to say that it was statistically possible (or even probable) that an item may have existed, and that really would not put us any farther down the road than we currently already are.