Is it considered insurance fraud if my insurance company pays to replace my gutters and I keep the old ones?

Lets say there was a huge hail storm and my gutters were ruined and the Insurance agreed to replace them. If I keep the old gutters (after the new gutters are installed) to put on another property I own, is that considered insurance fraud?
So, what about in the case of a car? If your insurance company deems the vehicle “totaled” they take possession of the car correct? You can’t keep the car unless you buy it back from the insurance company right?

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