[Swimmer]

I agree with Sandman, in regard to his assertion that because insurance companies have a couple of bad years why should the insured suffer. The insurance business is as big a gamble as a ponzi scheme for the companies themselves. They take in x amount of dollars in hopes that thier actuaries extimate dorrectly that they will only pay out x amount of money, and will have money left over. Mr. Ponzi kept taking in more money than he took in which allowed him to profit handsomely until mre people asked for money than what he had on hand. A few bad storms later and we are all paying more. As long as they can control the bleeding in the short term then they stay in business. But if thier wounds are great in the short term then the company bleeds out. That shouldn't be allowed to happen. I believe that they should be made to have in escrow sufficient capital to cover a total loss on every insured property in thier portfolio. Then after those funds are secured whatever is leftover at the end of the year is profit. But they dont have to have all those funds put away. They get to insure property with funds they dont have based on the gamble they take by accepting to insure your property. The most important points in an insurance policy are printed with the smallest font possible allowing for the greatest discrepancies involving claims.