pretty good way to scam HO insurance, too

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...

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