[sinisterlee]

I know. It seemed like a long shot to me too, but username KingDead said it worked, and he seems legit.

I'm not doubting that It worked at some point.

I just can't fathom how stupid and naive some companies are to approve claims under those circumstances.

Think it is more luck and wanting to please/believe the customer regardless of how unlikely the situation is.
Of course that can be seen as stupidity but it is also the same vulnerability why Amazon become the most popular target for refunds.
If you can't make your targets believers, SE'ing is next to impossible.