Is This A Scam, Or Just Good Business?

The way the letter came in, you just know where the insurancecompany staffer is coming from and how he feels about thesituation:

“In the past year or so, we have started to experience sidinginstallers seeking neighborhoods for hail damage and tellinghomeowners that their damage is covered under their HO policy, andthat they will actually call the insurance company for them ifnecessary. These individuals are able to redo completeneighborhoods at the insurance company's expense. Often the haildamage is from months prior. Are other parts of the countryexperiencing this scenario, or is this an old (for lack of a betterword) scam that has been around?”

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