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savvy indeed to commit fraud, not kosher. insurance is for damages not for repair and upkeep thats not unreasonalbe. thats why you need to find all real damage. mold issues in the drywall. a slab damaged or weakened, new moldings floor covering. chek it all and if at all discoloerd or changed in anyway at all its damage and has to be replaced. im not sure but ive heard that copper is not proper for pipes. indeed you might get the insurance co to repipe if they think the continued leaks from the copper will continue to run claims. a savvy plumber can tell you and estimate future issues.