Quote:
Originally posted by AXiD670
In addition to what Munchkin explained, depending on where you live in Florida (only addressing FL b/c that's where my experience lies), and what time of year you move/apply for insurance, it's very hard to get hurricane coverage. When my sister moved from one area in FL to another area last year (in July, of course!), they almost lost the house b/c they couldn't get their carrier to cover their since they were in hurricane season, and they moved to a "more exposed" area. They were finally able to get it, but it's just an example of why people might not have that coverage. Not b/c they didn't want the insurance or have the $$$ for it, but b/c sometimes insurance carriers can be a pain in the butt!
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It shouldn't be the federal government's responsibility to restore local and state infrastructure. That responsibility belongs to the providers of services, the municipalities, etc. IMHO. When the F5 tornado wiped out most of Midwest City here in the OKC metro, FEMA was out there basically handing out free $ to people that didn't have insurance -- yeah, they call it "grants".
If you move to such an area, it should be your responsibilty. If FEMA did not provide this service, the municipalities, state, etc. could do a fine job I'm sure.
It's perhaps necessary to some extent, just not nearly to the extent that it is used.
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