Exam CFE - Financial Transactions and Fraud Schemes topic 1 question 111 discussion

After a strong thunderstorm during the night, Ron awakes to find his car covered with hail damage. Ron does not have full insurance coverage on his car, so he contacts his agent to increase his coverage. Three weeks after his new coverage is in effect, another thunderstorm moves through. Ron then files a claim for the hail damage from the first storm, but he claims the damage occurred during the second storm. Ron has committed a fraudulent act known as _____.