So that one was almost entirely fraud driven - there literally were contractors going around door to door after the hurricane, offering free roofs regardless of

So that one was almost entirely fraud driven - there literally were contractors going around door to door after the hurricane, offering free roofs regardless of damage. My guess is that it's a structural dynamic - something like a hurricane is bound to trip the cat reinsurance thresholds for all the insurance companies, which means they have very little incentive to actually verify claims/monitor fraud, since it's the reinsurers eating that cost.