We often pay premiums for our insurance policies for years before actually having a loss that is covered by the insurance. When a loss finally happens, there might be an inclination to "pad" the amount of the loss in order to receive more from the insurance company than the actual loss suffered. What are your thoughts on inflating the value of an insurance claim for purposes of collecting more than the actual loss from the insurance company? Is there a valid argument for a policyholder to recapture some of those past premium payments by artificially inflating the value of a loss when one finally occurs?