The private sectors failure in the double hurricane year that claimed Trent Lott's home along with so many others is why the Feds stepped in, no bank was going to loan in the vast areas of tornado,hurricane, flood, wildfire areas without RELIABLE insurance. Quite a few insurance companies pulled out of the hurricane zone, my provider, State Farm had a shameful track record in Florida.

Ike, Katrina, Galveston, Homestead across the hurricane zone private sector failed it's customers. Lawsuits latter partially restored some claims, but for some of us it shook our faith in companies looking out for their customers, smiling ads to the contrary.