Hurricanes. Tornadoes. Floods. Fires. Riots. These events cause immense pain and suffering to impacted persons. But they also tempt some to take advantage of tragedy to acquire new or upgraded insurance coverages in anticipation of imminent loss – or to pay for losses already incurred. And that is not buying insurance – it is attempting to commit fraud. It is essential that carriers prevent or at least limit such changes during the course crisis events – across all channels, 24/7 for the duration of the event, and until the crisis event has passed and changes can be legitimately processed.