I saw a similar situation with a friend. He wanted a new roof. A company came in and told him the insurance company would pay for it. They had found "storm damage". The insurance company denied his claim. The roofer assured my friend they had people in their employ who could fight the insurance company for him. The claim was eventually approved. He got his roof. But the insurance company had the last laugh. They increased his premium.
So it is a scam, perpetrated on both the home owner and the insurance company.
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