My MIL is trying to get us to perform insurance fraud.
We had an apartment fire at the beginning of the month (not our unit that started it, but another unit and that resident sadly passed). We stayed with my MIL for the first weekend and then in a hotel until we were able to get into a new place. She made very clear when we were at her place that we needed to submit all her receipts to the renters insurance so she can be refunded.
When we got into a new place, MIL started buying all these things w/o asking for the kids and the new house and all that. Sure it helped, but when she again sent us the receipts, she is wanting over $500 in refunds from our renters insurance. These are not costs we the policy holders incurred, so can not be reimbursed. I asked the adjuster about this and she confirmed. Adjuster pointed out that even if I did not say anything, one of the recipts had my MIL’s name on it, and they all use the same credit card that was matched to that name. Of course when I told this to MIL she sent more receipts and ‘wants to talk about it’.
The last thing I want is to have been performed fraud while we are trying to get our lives back. I am already the ‘hateful DIL’ no matter how many times I tell her thank you for the help, but I am not going to perform fraud for her. It is funny because her boyfriend is an agent for the same insurance company, and she did all this with her parents home owners insurance when a tree fell on their house (she is legally in charge of their money due to their memory issues, so had that ability to get refunded for what she did to help).
I sent my SO and the kids to her house in the first place after the fire (I went back to work after) because SO was shell shocked and not dealing well. If I knew this would happen, I would have had them go to my dads. So in the end this is probably on me. My family would never do this, and my own mother was disgusted when I told her. I know that I am not in the wrong with this, but there is going to be so much fall out from this.
I know advice would be and should be for me to not fold. Is there anything else I should/could do? Her bf is an agent for the same insurance company, but I don’t think she would go as far as having him look up the adjuster. I think she would just rather blame me for everything or ask for us to pay her back from our pockets.
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Your MIL’s trying to scam the insurance system using your policy? Red flag. Don’t cave. You’ve got the adjuster’s confirmation, so stand firm. Fallout’s gonna be real, but you can’t let her greed put you at risk.