Happened to me with a contractor recently. He was willing to write an estimate and a receipt for $1,000 over the actual cost "to cover my deductible." I declined, partly out of a sense of ethics and partly because I figured our insurance company wasn't born yesterday and had seen through lots of more sophisticated dodges than anything this contractor and I were likely to come up with. As it happened, that was the right move: my insurer insisted on seeing the cancelled check.