According to new findings in a public opinion study conducted by the Insurance Research Council (IRC), 24 percent of respondents believe it is reasonable to increase an insurance claim by a small amount in order to cover a deductible. This is also known as "soft" or "opportunistic" fraud, referring to the claim embellishment. Soft fraud is incredibly difficult to detect and investigate. Perpetrators are often hard to distinguish from honest policyholders, and as the study shows, many consider their exaggerations to be morally acceptable.

Insurance fraud is not a victimless crime. It affects innocent and honest policyholders who are left with higher premiums. Florida Peninsula takes insurance fraud extremely serious, and we encourage anyone with information on those committing insurance fraud to report it to us immediately by calling 866-923-2920, or by email at

To learn more about the study, click here.


Florida Peninsula is one of Florida's top homeowners insurance companies. We strive to combine the latest technology with old-fashioned fast, fair, friendly customer service and claims processing. If you are in the market for a home insurance quote, give us a call at (866) 229-2244 or visit the get a quote section on our website.