> It's been a Florida thing since Andrew.  It's an insurance
> scam to be sure, but if you want insurance, you live with it.
>  My homeowner's policy has a fixed amount deductable for most
> losses.  There's an additional deductable for hurricanes
> which is a percentage of the value of the house.  This is all
> on top of the high cost of insurance in my state.  The roof,
> house and anything on my property is covered.  That's why the
> 15 footer came home for the storm.
>
> Lee
>
>
Insurance and scam go together real well in most states.  Just a question of
the scam du jour.  Seems to me, that insurance is legalized gambling.  You
are betting something will happen and the insurance company is betting it
wont.  Problem is, you pay and pay and then when it finally happens, the
insurance company whines about how unfair it is and how they will have to
raise rates. There is something fundamentally flawed about the whole
insurance system in this country.  In Texas, the current scam is mold. You
cannot even get insurance until there has been a mold inspection and then
mold damage is excluded from most policies.