<human>: Summarize the given text in a few sentences.

Our house was recently broken into. When we did the first walk-thru of the house alongside police detectives, we immediately noticed that the thieves took the flat screen television, a laptop, and 2 pair of Nike Air Maxes. After the detectives left and we began to clean up, we noticed a couple of other small items missing. The insurance company explained to us the timeline to submit a claim, noting that sometimes after an initial claim is filed, a homeowner or renter may realize something is missing that they weren't previously aware of, and that it is possible to add that to the claim as long as it falls within their deadline to file. This is relevant because, as those who may have had their homes broken into before may know, sometimes the initial shock and trauma of the situation can make it difficult to fully assess the losses immediately afterward.

One of us wants to file a claim that reflects as accurately as possible the losses we have incurred. The other thinks that it is not uncommon for people to fudge (to their benefit) what was stolen, with the justification that we should be compensated for the stress and anxiety associated with the event.  When we have presented this situation to our friends, they tend to agree with the POV of the person they have the strongest relationship with (i.e. his friends agree with him, her friends agree with her). FWIW, we are an interracial couple in our 20s living in the mid-South, and we believe that there is a cultural influence at play regarding our differing opinions on the "right" and "wrong" of this scenario. 

We would like to know how common it is for people to commit insurance fraud (including not only falsifying a claim thru flat-out lying about what was stolen, but also over-inflating the value of what was taken).
<bot>: One of us feels that committing insurance fraud is not the norm and is morally wrong; the other feels that lying on an insurance claim is a victimless crime and is fair compensation for the trauma experienced.