insurance companies are a racket. They ream you for mucho $$$ and then when something happens, they change all their "policies" to avoid having to pay up. WTF does "flood insurance" cover then? a leaky toilet?? if there is no storm surge or "wind driven" water...then where's the flood going to come from? We talking some noah's ark type $hit here?? ludicrous...

they denied me, and i'd be at their doorstep with a bucket of gasoline and a match.