[The only such that I know of, were in cases where the contractor actually stole his own tools. And got the insurance company to pay off.]
Yeah, that wouldn’t surprise me either.
Apparently this operation (this was over a decade ago) near my place of employment had quite the fencing business going on.
I dislike this contractor. I wish the insurance company or the police would have caught him.
As much as I would love for him to get caught doing this, he's married to the daughter of family friends, so there's not much I would do anyway.