When Emma's house was burglarized, the thieves stole several pieces from her art collection. She claimed they were originals, thus committing the act of?

The correct answer is that Emma committed soft fraud when she claimed her stolen art pieces were originals. Soft fraud involves exaggeration or twisting the truth regarding a claim to obtain a higher payout from an insurance company. In this case, claiming that the art was of a significantly higher value by asserting they were originals rather than reproductions would fall under this category.

Contrastingly, hard fraud typically entails a more severe and deliberate act, such as staging a burglary or creating entirely fake events to defraud an insurer. Pretentious fraud is not an established legal term in insurance fraud, which means it wouldn't apply in this context. Complete fraud suggests a total deception but wouldn't accurately capture the nuance of exaggeration involved in Emma's claim about the origin of her art pieces. Thus, soft fraud is the best fit for the situation described.