Am I guilty of insurance fraud?

Me: contractor, supplied homeowner with a bill at homeowners request, for work not yet performed as described in insurance co. "scope of work" due to time limitations to perform work set by insurance policy coverage. Homeowner submits bill to insurance co. in order to collect recoverable depreciation ($4,700) regarding his claim for storm damage to his house. Claim is paid and check is made payable to homeowner & my co. Check is deposited to my co. account and is later refunded in full to the homeowner by way of a credit to the balance due on his account with my co. Part of the work as described in my bill to homeowner was later performed and a portion of the depreciation ($1,750) I assume is subject to be recovered. Unlikely remaining work will be done. Has fraud been committed? - Is this your question? Add additional information