Insurance Scams and Natural Disasters

I’m researching a story about insurance scams that follow a natural disaster. I’m looking for anyone who fell for an insurance scam and can talk about the experience. I’d also love to hear from any insurance experts who can offer advice on how to avoid an insurance scam, especially after a wildfire, hurricane or earthquake. Please read this before answering. I’d be very grateful if you could send an initial response to my questions by email. Please do not respond with a note that says you would like to be considered for this story or want to set up a phone interview with a source. I’m happy to consider you for this story. I’ve included all my questions in this query. Please take a minute to briefly answer them. If a phone interview is necessary, I will follow up right away.