[SamAdams76]

So let's use an analogy here. Let's say that everybody on my street except for me buys hurricane insurance.

Sure enough (as is my luck), a hurricane hits and destroys every house on my street including my own.

However, while the hurricane is still raging, I call the insurance company to purchase hurricane insurance so that my house can be covered as well. Should the insurance company sell me my insurance?

As a postscript, let me assure you that unlike the idiot in Tennessee, I was at least able to get my dogs and cats out of the house.

[microgood]

So let's use an analogy here. Let's say that everybody on my street except for me buys hurricane insurance.

But you cannot do anything about a hurricane. In your case the homeowner is out of luck. But what if a fire starts in a house at the end of the block. It is not insured with the fire company so they let it burn. But then an explosion occurs catching two more houses on fire and spreads so fast that 50 more houses are destroyed.

If putting the fire out on the first house would have saved the other 50 houses, should the firefighters have put out the fire on the deadbeat's home or not?