My deductible is $5,000
A new roof is $16,000
I pay a crew of day labor Jose's $2,000 to strip the old roof off and then vanish, letting it seem like a mistake.
I file a claim, eat the deductible, and for a total outlay of $7,000, I've got a brand new $16,000 roof.
Not saying this is what the homeowner did, but just saying it's a possible thing...