No problem - allow me to explain.
If you contact one insurance company and tell them "I have hail damage, come out, inspect it and please cover it," then they will.
Then, you can possibly tell the second company the same thing, and it may
look like you were trying to get the second company to send you a check while or after already receiving a check for the same damage from the first company.
So to avoid any confusion and any presumptions, it is typical to let both insurance companies know "Oh, just so you know, I am also filing this as a claim with the other company - here is the claim number and their information."
Then, the two companies work it out.but it seems to me that if loss occurred while both policies were in effect that they should both pay for the loss. Is it fraud?
It is if you are receiving double the claim money for one singular matter. If I can't file a claim and be paid by both, can I only file a claim with the one I arranged and seek a refund for the policy period from the forced policy for the time frame I had double coverage?
I am afraid not. They already provided coverage - now it is simply a matter of who pays you out.
It is as though you had two insurance policies - if both of them covered an operation that you paid out of pocket, then they would only pay you out once for it, not twice, either splitting the cost or with one company bearing the burden.
Otherwise, nothing is stopping you from having 5 insurance policies, having an accident
/health issue/damage, and then getting five times the amount in payout - it simply does not work like this.
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