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Is it "insurance fraud" to get an insurance check & not do the repairs?
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Wade:
It's not fraud to spend the insurance settlement however you want.  It is fraud to CAUSE the damage, to try to fake the damage, or claim damage/loss on something that never existing in the first place.

Common examples: burning down a business or house to get the insurance settlement (because the business is worthless and the settlement is worth more), "stealing" a radio from your own vehicle to get the settlement, purposely wrecking a vehicle to get the settlement, etc.

The vast majority of homes/business that burn down are arsoned, usually intended for insurance fraud.

Wade
Negativecreep0:
not fraud plain and simple. I totaled my truck got 30k from the insurance company decided gas was too much to drive a truck around kept the 30k. That is why you pay to have insurance.
shardian:

--- Quote from: Negativecreep0 on November 13, 2006, 09:27:19 am ---not fraud plain and simple. I totaled my truck got 30k from the insurance company decided gas was too much to drive a truck around kept the 30k. That is why you pay to have insurance.

--- End quote ---

Heh..you mean you gave the 30k back to the bank to pay off the loan. ;)
ChadTower:

--- Quote from: mccoy178 on November 12, 2006, 11:33:44 pm ---FWIW, I charge $75 for my pool estimates.  I let homeowners know the deal before I come out and I also apply it towards the project if they hire me.  I have base rates that I give home owners before I come out so I'm not pulling a shock and awe campaign to make estimate money.  I used to do them for free, but I don't really want to go to someones house unless they are serious about hiring me.  I'm a small company and in my line of work there is just too many customers to do estimates for free.  I would be working in the field 24/7.  Again, I try to give the homeowner as complete pricing as I can over the phone, but I can't give them a concrete number until I can evaluate the situation.  I've never had anyone complain in six years. :dunno

--- End quote ---

If a former customer called and asked for a quote to repair cosmetic damage to the pool you built, would you charge them for that estimate?
mccoy178:

--- Quote from: ChadTower on November 13, 2006, 12:55:00 pm ---
--- Quote from: mccoy178 on November 12, 2006, 11:33:44 pm ---FWIW, I charge $75 for my pool estimates.  I let homeowners know the deal before I come out and I also apply it towards the project if they hire me.  I have base rates that I give home owners before I come out so I'm not pulling a shock and awe campaign to make estimate money.  I used to do them for free, but I don't really want to go to someones house unless they are serious about hiring me.  I'm a small company and in my line of work there is just too many customers to do estimates for free.  I would be working in the field 24/7.  Again, I try to give the homeowner as complete pricing as I can over the phone, but I can't give them a concrete number until I can evaluate the situation.  I've never had anyone complain in six years. :dunno

--- End quote ---

If a former customer called and asked for a quote to repair cosmetic damage to the pool you built, would you charge them for that estimate?

--- End quote ---

If it was damage not created by me, then yes.  My business is just like any other.  A homeowner is given a grace period to notice and report issues with an install.  If there is an issue that falls outside of that window,(usually a season), then the job is chargeable.  I charge for the estimate because I hate companies who give estimates over the phone for something that has too much grey area and also because the number I give them is concrete.  Again, my biggest issue is time and I am only looking for serious customers.  My line of work is filled with shady characters because it is seasonal work.  I feel that after a customer is done talking and meeting with me, they feel comfortable that the job will be done right and are willing to pay to have the job done correctly.  So when former customers call me, they already know what to expect and are willing to pay for it.
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