Imagine you want some electrical work done, need a 50A hookup installed outside your detached garage where you park your RV.
So you get a quote from some professionals, $1k.
Instead of hiring them, your beak twitches and your bald spot drips with sweat, you hatch a plan that'd make a yid blush.
You go out and get certified to do electrical work yourself, which only costs you $500.
At this point, it would be perfectly legal for you to go buy the materials and do the work yourself, but no, you're clever.
Instead, you hire Toby who you met in the parking lot of Home Depot. Toby isn't allowed inside the Home Depot anymore.
Toby isn't certified, it's totally illegal for him to do this work, but he'll do it for $500! So you hire the nigga, you fuckin' retard.
Toby does the work, but you do the paperwork that says you did everything, and you sign your own inspection sticker saying "it's all good, legal, and safe!"
Turns out Toby didn't know what he was doing, maybe his price was so low because all the wire he used was stolen from an '88 New Yorker, who's to say?
An electrical fire occurs, and burns your detached garage and your precious recreational vehicle to the ground along with everything in them.
So, like any self-respecting white homeowner, you call your homeowners insurance company so they can handle this distinct inconvenience.
They say, "you did the work, and you did the inspection? That complicates things a bit."
You say, "no no, I did all the paperwork put the sticker on it, but it was Toby that did all the work, and he said it all looked good when he was done!"
You've now told your insurance company that you have committed fraud, and had electrical work done by an uncertified shitskin.
They call you a retard, and hang up.
You saved $3k, and now you're out your RV, your garage, a huge number of your possessions, your property value, and could see jailtime if you say the wrong thing to the insurer you just unknowingly tried to defraud.