I wouldn’t necessarily take the word of the insurance companies as a non biased source. Let’s just say that they probably were the reason why the legislature had to rectify the law after the tornadoes.
You should have seen the excuses made to people here after Hurricane Rita that insurance companies made in getting out of paying. Many people who paid in for years without a claim were denied. It was so bad that there were a couple of class action suits where the state was involved.
Sometimes these advocacy groups do the right thing.
Sorry I should have been more clear that I agree the law was probably needed and that’s a good point about insurance companies in general.