The root cause of problems like what was experienced after Sandy is that flood insurance and home insurance aren't the same. Home insurers will try to blame everything on flooding so that they don't have to cover the loss. In reality, most of hurricane related water damage issues are wind driven, which is covered by your home insurance. But the insurers are counting on you not fighting back or understanding the difference. Water damage does not necessarily equal flooding. This is why you really don't hear an abundance of complaints about car/motorcycle/rv/whatever claims after a hurricane, but you hear endless complaints about home claims. The other claims are straightforward. Home claims are not.

You do not want government controlled auto or home insurance. Regulated, yes. But we already have that. Government controlled? Definitely not. It would be infinitely worse for consumers. Government has made the insurance market in Florida untenable, and consumers are getting screwed. It's beyond repair at this point.

You guys keep complaining about advertising costs. Do you know how much is actually spent on advertising? It's nothing in comparison to claim costs and employee costs. Paying claims and running the company are the 2 big expenses, not the TV commercials you guys are railing about.