Insurance companies do actually do reconnaissance occasionally; my parents had their homeowners insurance cancelled this way. More commonly, they will deny a c

Insurance companies do actually do reconnaissance occasionally; my parents had their homeowners insurance cancelled this way. More commonly, they will deny a claim if, during the claims process, they found there was an EV in the parking lot at the time of the loss, even if the EV isn't related to the loss. Friend of mine is an insurance adjuster and he says he denies claims all the time when he finds out people were violating their policy terms at the time of the loss. Read your insurance policies, people.