If my roof is storm damaged and the “ Brothers “ repair it for free , I have suffered no loss. I cannot claim on insurance. If the householder makes a claim based on commercial rates ... it is fraudulent.
I concur with DOC here. I do understand how the insurance market works, as I worked in insurance for nearly 20 years before retirement.
What the WT is doing is not fraud from an insurance perspective.
Homeowner has a covered loss. Homeowner files a claim on homeowner insurance. Insurance claims adjuster assess the value of the loss and
offers a dollar amount to the insured. The homeowner can get any contractor they want to do the work, they can even do it all themselves if they want to.
What the WT is doing is running what is essentially a construction company with volunteer labor, using free labor and donated or discounted materials. The WT collects the money as a 'donation'
What I find objectionable is that the messaging around it is misleading. They make it sound like the disaster relief work is part of their Christian life and duties. It isn't. It is a fundraising activity for the WT, nothing more.