We'll see about that???? Although this suit may make it past the local level as a Mississippi jury will vote with the hearts and not their heads, this will never make it past the Appellate or the Supreme court levels. This is because the judges at these levels will have to rule on contract law and the intent of the the flood exclusion. Yes we feel terrible for the folks that aren't covered for flood, but they should take responsibility for not covering themselves. Why is everyone acting so entitled?? Please take responsibility for your choices in life!! There is no intent to cover flood (no matter what the cause) under a private homeowner policy- hence the need for the NFIP (National Flood Insurance Program). There are many reasons why we have the NFIP- one being Flood is too catastrophic for insurance companies to insure. No one could afford homeowner policies if flood coverage was provided. A good example of this is the separate wind policy sold by the state of Florida- too catastrophic for an insurance company to insure. This suit, if won by the plaintiff's, would be the worst thing for Mississippi, Louisiana and Alabama because insurance rates would skyrocket, and ultimately, most insurance companies would leave these states. Then what?? No one can force a private insurance company to sell in a state!