Yes, this case is being extensively discussed in this thread:
However, no one expects you to trawl through fifteen hundred-ish posts to get the answer to your question.
It’s still fraud, even if the insurance/loan companies aren’t complaining, because they offered Trump more favorable terms based on his representations made to them. Had they understood the true risks, they may have imposed higher insurance premiums or interest rates.
Think of it as the difference between a secured and an unsecured loan. If you go to your bank and represent that you’d like to borrow $100,000 against the equity in your home, you’ll get one rate. If you ask for the same $100,000 based solely on your good name, you’ll get a less favorable rate.
Say you scam the bank by representing that you’ve got $100,000’s worth of equity in your home, but in fact you sold the home to your son on the QT. The bank doesn’t know this and lends you the money anyway. You’ve committed fraud.