that's not fraud, did you work on the construction site? (were you trespassing?) funny that the hole wasn't a problem before - you can post no trespassing, but you cannot lay hidden traps - what you said sounds like someone laid a trap... which means the insurance company (if they pay) or you (if they don't) could go after the property owner for damages.
here's the case that defined that:
people were breaking into a guy's house on some remote property - so he set up a trip-wire shot gun... which did its intended job. Court found that to be unreasonable because the home owner was in no fear for his life, therefore there cannot be deadly force. Concealing a trap is exactly the same thing, and is pretty much black letter law now - no traps, you owe a duty to everyone to not make something deadly more deadly and not to conceal... if you do, then you, the property owner, gets to pay damages.... and depending on the state exemplary damages are possible.
Really, talk to a lawyer - oh wait, you are when you talk to me... talk to an Alabama lawyer.
