When you prevent a carrier from charging an actuarially sound rate, it distorts the cost to the policyholder, the homeowner, of living in a catastrophe-prone area.

This is not about raising prices. It's about getting the most effective charging structure.

It's a lot of sound and fury signifying nothing.

And when they had laid many stripes upon them, they cast them into prison, charging the jailor to keep them safely: / Who, having received such a charge, thrust them into the inner prison, and made their feet fast in the stocks.

A face that is really lovely in repose can fall apart if, when its owner stars to talk, she distorts every feature.

It's strictly a countermeasure to prevent illegal activity specific to counterfeiting.