Not to turn this in to a thread about insurance companies, but let me ask you this: Let's say you own a casino and during your busy season every customer plays the slot machines and wins the max amount every time they play. Do you continue to do business that way? No. You have to readdress it as any business would do that continues to lose money. Now, every customer that had a loss during these busy storm seasons is very tragic, but insurance companies can't continue to pay policy limits on every home near the coast every year. That just ins't smart business. Insurance companies are grouped with what you call scum bags because the only time you have to deal with an insurance co. is after a devastating loss. To hear you say State Farm is a scam would break the heart of the countless millions who were able to rebuild their homes and their lives because they had State Farm Insurance. Yes, I live in Atlanta now, but I have lives in several other coastal areas that have bit hit much harder than FL. FL, unfortunately, was hit pretty hard by 4 hurricanes in a row a few years back. Right now, the folks in MS are dealing with just as much tragedy and 99.9% claims filed there have been paid and closed. Again, on a topic that you evidently are not versed on, please be considerate before making hurtful and outlandish remarks. Thank you.