[GarySpFc]

I have sympathy for their profit margin but this is insurance and while they accept our money, they never seem to like to pay out.

It's not a matter of profit margin, but survivor ability. The majority of insurance companies do not mind paying out what they rightfully owe. However, a company simply cannot afford to pay out far more than its total assets. I do not remember if it was 10 miles further up or down the coast, but that if Andrew would have hit both State Farm and Allstate would have gone out of business. A company simply cannot put all of it's risk in one area. It owes the other policyholders throughout the country coverage, and not those who choose to live in high risk areas.

[Cincinatus' Wife]

I understand.

But they wait until a disaster to complain.