A Concord, North Carolina woman is facing felony charges after North Carolina Insurance Commissioner Mike Causey says she used her job as a claims adjuster to redirect insurance payouts to people who had no right to the money. Her name is Daffney Davis, and she’s 48.
Davis was charged with two counts of insurance fraud and one count of accessing computers to commit fraud, all felonies. She turned herself in on August 26, 2026, and was released under a $5,500 secured bond.
How She Allegedly Did It
Davis worked as an adjuster for Ahold Delhaize Services. According to special agents with the Department of Insurance’s Criminal Investigations Division, she’s accused of accessing the company’s computer system without authorization and making false statements about two claims she’d been personally entrusted to handle for the company’s insurer, Chubb-Ace American Insurance Co.
Being the adjuster on a claim means you’re the one deciding how it gets processed and where the money goes, so having that kind of access is exactly what made this scheme possible in the first place.
Where the Money Went
According to arrest warrants, Davis altered the two claims so that checks got sent out to Nicole Davis and a business called PatLou Inc. Neither of them was actually entitled to any payout connected to these claims. Combined, the checks totaled more than $44,000.
The alleged offenses took place over a period in September, though the exact scope of that timeframe wasn’t fully detailed in public reporting.
Her Next Court Date
Davis is scheduled to appear in Rowan County District Court on November 18.
The Bigger Picture on Insurance Fraud in North Carolina
Commissioner Causey has been vocal about how fraud cases like this one affect regular consumers. He’s noted elsewhere that approximately 20 cents of every insurance premium dollar goes toward covering the cost of fraud, which is part of why his office keeps pursuing cases at this scale, even when the dollar amount involved is in the tens of thousands rather than the millions.
Causey’s office encourages North Carolinians to report suspicious insurance activity, saying that doing so helps keep premiums lower for everyone. He’s said plainly before that insurance fraud isn’t a victimless crime, it hits people in the pocket through higher premiums down the line.
Where the Case Stands
Right now, the charges against Davis remain allegations, and she’s presumed innocent unless the case is proven in court. Her November court appearance should provide more clarity on how the case will proceed from here.