I am aware of that. But, see post #3.
Now do you have an idea why I might not just want to head to a local lawyer?
Any discussion you have with a lawyer is privileged. They will not turn you in. Even if the insurance company found out the maid was using a false address, that does not make your mom guilty of fraud. Unless your mom signed a fake lease/renters agreement, it is the maid committing fraud. Go speak with a lawyer.