spend the nights under a bridge
I agree if your accommodation is uninhabitable, you should get the rent back. No doubt the insurance company has a different view, but having a different view than the insurance company is not fraud.
Fraud would be that your accommodation is habitable, you can't get out of the lease, so you move back in with your folks and claim the rent on insurance. Other variations on that scenario are possible.
Glad to see this one shot down in court, though. The insurance company is also being a bit "fraudulent" about the basis for requesting the data.
Biting the hand that feeds IT
