It’s not a thing typically initiated by the homeowners, after the hurricane the vultures swoop in and pepper neighborhoods with flyers and mailers, take out ads on local radio, even the ambulance chasing local lawyers get involved with handling claims. It’s not an exaggeration, even with some minor roof damage or a few missing shingles they will convince people of the possibility of water leaks and what the damage could do to their house, and once explaining it “won’t cost them a dime” many people figure they should just go ahead and get theirs. I know several people who were dropped after getting a new roof and have trouble finding affordable coverage again. With thousands of claims and not enough time to investigate each one, lots of shady people siphon tons of money in the wake of a disaster.