I think the insurance industry in the USA is the incarnation of evil. Why should evil wear horns when it can mask disregard for human life with paperwork?
Example: I toured a home in my neighborhood yesterday. The home belongs to an older woman who moved away to live with her daughter. The home has mold watermarks up about four feet inside. This home, like a many in my neighborhood is not in a Flood Zone, therefore, no coverage will help the woman rebuild.
When you buy a home, the mortgage company requires insurance to protect your/their investment. You are made to buy what is needed to protect your home. You pay your premiums whose costs are added to your mortgage payment or billed to you directly.
You live on the Coast but are far from the Gulf, bayou, river, whatever so you do not have flood insurance. You have wind damage insurance but somehow, this covers wind driven rain but not wind driven flood water. You out of luck. You lose.
We have flood insurance at our home which did not receive any water. I called up the insurance gal and bought flood insurance several years ago after a tropical storm overwhelmed city drainage and we received about four inches of water. The water came entered then receded quickly but damaged my carpet, wood floors and nerves. We paid for repairs because we didn't have flood insurance. After this, I called the insurance gal and asked to buy flood coverage. "You don't need it," she said, "You aren't in a flood zone." I asked her if she'd forgotten that I called to ask for an adjuster when my home was filled with water. I proceeded to get flood insurance for $317 a year. She attempted to talk me out of buying the insurance.
Do you get it? Insurance people sell insurance. That's their business. If they think there is even a glimmer of misery in your future, they sell you a policy. Every. Single. Time.
Down here, behind the Razor Wire of our new lives, people are losing their homes because an adjustor comes by eventually and tells the shell-shocked sunburned people, "we don't cover flood, you don't have a policy for this."
Who decided the perimeter of the Flood Zone? The Army Corp of engineers and the insurance industry.
The insurance industry is attempting to do two things with us: limit their losses, save their own bonuses. We don't matter. Using ambiguous language they developed 30 years ago, insurance people are crushing the policy holders whose annual payments funded the giant growth of the industry.
Get out the garlic! Go get the crucifixes! Go get the silver bullets, stakes and townspeople! The Insurance Industry Vampires, Devils, Demons and Golems are inside our gates!