That would be fraud..

The bottom line is pay up and accept that cheating the insurer is a bad
thing.

Peter Crosland

Thanks for your advice and honesty. Truth is, we honestly don't know if
the current repairs are necessary due to a previous storm...but it's
only recently that we've noticed it. So there is an element of truth in
what I'm saying. I am not deliberately trying to defraud the insurance
company.