I have seen some four points, from people that post on this board, that have bent the rules for a homeowner to get credits - like giving a shingle roof, with leaks, in South Florida a ten year life expectancy. It happens every day out there. Sooner or later they will get caught. Also know of wind mitigations that have been fraudulently written from inspectors on this board.
Sometimes it might not be fraudulent. Just look at the various answers to the questions presented on this forum. Lots of disparity, mainly due to lack of standards.