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Why not a partnership?  If I had to choose between reporting a scumbag insured for insurance fraud, helping the insurer get restitution, and possibly get paid a percentage; if not most of the RCV money for the roof job the insured refuses to me for I would gladly do that; instead of just putting a mechanic's lien on a home and hoping to get paid. 

On my way to the court house to file my mechanic's lien I will stop by the district attorney's office to file fraud charges.  I believe this would help insurer's stay in business, prevent premiums from rising, and help honest contractors get paid faster. 

Here is an idea that I am considering putting on my contracts:

Warning: Insurance fraud is a felony and I report all homeowners that commit insurance fraud to the insurance company and help them prosecute.  Instead of me simply placing a mechanic's  lien on your property;  I will contact your insurer and inform them that you were able to get your repairs done for the ACV money and that the RCV money amounts to profitting from your loss. Which is excluded by your insurance carrier.  You must refund your RCV money to your insurer or face insurance fraud prosecution.

I think this is a great idea!  I would gladly help put some piece of garbage that ripped me off and the insurance company off in jail.  I would love to hear replies on this idea!