How to Find Out if the Roofer at Your Door is a Storm-Chaser, in less than 5 minutes.

Some people have the misguided idea that defrauding an insurance company is a victimless crime. Like a "white lie". This couldn’t be farther from the truth. A fraudulent insurance claim is bad for everyone - not just the insurance company, but the insured and indeed the entire community. Insurance is based on the idea of spreading risk over a large population. If people regularly defraud their insurance companies then rates necessarily have to go up because the risk of insuring people in that area increases. Our personal code of ethics prohibits us from filing fraudulent claims, but if that wasn’t enough we would fall back on our sense of duty to the community we serve and in which we live. If even THAT wasn’t enough, the bottom line is that going around and exaggerating or fabricating storm damage is not a sustainable business practice: the insurance companies will figure it out eventually and take steps to mitigating their losses, which would mean getting more aggressive about denying claims. This would ultimately hurt people with real property damage. And, of course, non-local storm chasers don’t care about any of this because they aren’t invested in the community.