Strange choices..

[Viper1j]

I think there is a lot of half truths in the claim that most of these people don't have insurance, be it home owners insurance, or renters insurance. I suspect that a lot of the times, these people had insurance, just no coverage in their policies for that specific type of damage. A great example is flood insurance. Or they had the specific coverage, but the insurance company found a loop hole to deny them coverage, with the most common one being "act of god". I have known people where their insurance company has denied them coverage for a tree falling on their house during a storm because their insurance company classified it as an act of god. So they have to take them to court to get them to pay up.

Now the most fucked up insurance denial was one I read about after Katrina. A home owner had a two story house, he had insurance, including hurricane/flood insurance. The insurance company approved the part of the claim for the first floor, but denied the part of the claim for the damage to the second floor with some stupid reason (I don't recall the exact reason)... Even though both floors damage was caused by the same hurricane/flooding.

Hope he got millions in court. That's like covering the walls, but denying the roof.