Very simple - I need a new roof. It has been 20 years and six months since my last twenty year shingles were installed. Straightforward, no?
Despite the current economic situation of unemployment, I had trouble finding someone to do the work. Or at least I had trouble finding an honest person to do the work.
All of the salespeople insisted on trying to claim my replacement on my home-owner's insurance for me as hail damage, which it is not.
I have no idea whether they get to charge more that way or they are just being helpful.
I also don't know whether their understanding of the role of insurance as a wager on future events is faulty; or whether their generation has a different concept of truth and honesty, seeing the evil insurance company as a deep pocket to cover every routine need the way they see medical insurance.
I just know that I see claiming against insurance something that is routine maintenance as dishonest. I bought insurance to cover me against unforeseen disaster, and using it so will ultimately keep my price down. A Karmic balance, don't you see?
But now I notice the hail-damage contractor's roofing signs on my neighbor's lawns. Somehow, my opinion of my neighbors has diminished a little.