A North Carolina couple this week was awaiting court action after they were charged with
filing claims with two different insurance carriers—State Farm and Homesite Insurance, court records show.
Gurjant Singh Gill, 42, and Karmpreet Kaur Gill, 41, of Raleigh, were charged with insur
ance fraud in May after investig
ators with the state Department of Insurance found duplicate claims for the same hail damage, ac
cording to the DOI and Wake County court documents.
In February, the Gills claimed $30,000 damage from wind and hail, including creased shingle
s and downspout damage, and filed a claim with Homesite, part of the American Family Group.
It turned out that the couple had made very similar claims just months ago, records show.
“The investigation showed that Gill has been involved in two other claims of this nature
e with his home over the last two years,” reads the May 21 arrest warrant, in Wake County Distric
t Court. “Gill received settlement for the same damage from State Farm Insurance in 2025.”
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Karmpreet Gill told a Homesite adjuster that an ice storm had caused the damage and
her husband had seen climbed on the roof and had missing shingles.
“She was asked about the prior claim with State Farm Insurance for the same type of damage
age on October 7, 2025,” an investigator wrote in her arrest warrant. “She denied any knowledge of
the payout and if any repairs were made. She then said her husband made the repairs…”
The Gills, which a judge determined to be U.S. citizens, were released on $5,000 bond.
Fraud involving duplicate claims appears to be relatively rare. The publications in the North
Carolina case may have been unaware of the Comprehensive Loss Underwriting Exchange, or CLUE
, which allows property and auto warranties to track overlapping or duplicate claims for the past seven years.
