Recently, a levee broke here in
Now, I'm not gonna bitch about flood insurance again (even though I still believe that everybody who owns a home should have it) but the people who live there were told by their insurance companies that they didn't need the coverage. Unfortunately, unless you record all of your phone conversations with your insurance company I imagine it would be pretty hard to prove in court that they told you it wasn't needed.
In this instance, the governor of the state almost immediately declared a disaster area and requested aid from the federal government. The federal government declined to name it a disaster area, and therefore FEMA was unable to help any of the people living there. The insurance companies were probably using data provided to them by the federal government (the Army Corps of Engineers and/or the
So who's at fault? That's what I'm getting at. Is that the homeowner for not choosing to "waste" money on insurance that he could spend otherwise? (After all, if my house was at the very top of
Of course, in my world, when one is given the public’s trust, the absolute last thing you would ever do is betray that trust. And, if we apply this method to the people affected in