I wont mention any names (don't bother sending a PM), but I have had 3 Shaggers who were on this track. Additionally, there are customers who see that final depreciation check & get dollar signs in their eyes.
It was the Storm Chasers who were throwing out ""free roof" back when deductibles were $ 500 & it didn't take long for homeowners to get conditioned to "I get a free roof"; word got around fast. Then insurance companies saw the ratio of claims going up & *poof* insurance companies started with 1% deductibles to put more of the financial burden back on property owners.
Far too many homeowners think of a roof as something insurance has the exclusive responsibility to pay for when in reality, outside of a covered peril (high wind, hail) this is a homeowner maintenance issue. I get people consistently who filed a claim for a tree rub & while that's not the insurance company's responsibility, if they had not wasted the IC's time it wouldn't raise costs across the board.
We all need IC's to remain solvent so when valid claims ARE filed the ability to be paid appropriately is there.