I’m sure people know this but just in case they don’t DO NOT DO THIS if you’re on the phone for anything insurance or finance related. This trick is to avoid stupid capitalist pressure to continue to pay for something you don’t want/need, whereas if you lie about why you need to take money out of your retirement account early or why the bank doesn’t need to endorse this insurance check actually, you will at best be on the phone far longer than you need to be while the exhausted call center employee deals with your bullshit, and at worst get into legal trouble. Though what will most likely happen, is the company will eventually catch you in your lie, because these are processes that require documentation, and if you failed to provide the correct documentation, you don’t get what you’re looking for.
TLDR: if they don’t require proof then by all means lie, but there are things (like credit cards, insurance policies, retirement accounts, etc) that require documentation, DO NOT lie about those. I know that some of those systems are bullshit too, but the time and place to do something about that is not while you’re trying to get funds to have your roof repaired.