A $200,000 patio cover?

Liberty Mutual didn't think so either. An investigation revealed the patio cover's actual worth, about $4,000, leading to insurance fraud and attempted theft charges for a Spokane, Wash. man.

Keith R. Scribner, 47, was arraigned Dec. 12 in Spokane County Superior Court. In late July 2009, Scribner's mother, Marilyn Warsinske, filed a claim with Liberty Mutual insurance. She said a patio roof at a home she had purchased collapsed because of the weight of snow about six months earlier.

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