If Arlene files a claim for roof damage after a tornado, claiming previous earthquake damage, which statement is true?

The statement that claims must be fully legitimate is true because insurance companies require that all claims submitted for coverage are honest and accurate representations of the damages incurred. In the case presented, Arlene is attempting to claim damages that include both tornado and previously existing earthquake damage. If she is not accurately representing the timing or nature of the damage—particularly if the earthquake damage predates the tornado—it can lead to issues of legitimacy in her claim.

Insurers rely on the integrity of the information provided by the claimant. If any part of the claim is found to be exaggerated, misrepresented, or fraudulent—such as claiming previous damages that were not caused by the recent event—it can result in denial of coverage or legal consequences for attempting to benefit from non-legitimate claims. Therefore, it is crucial for claims to be fully legitimate to receive payouts and maintain the integrity of the insurance system.