[GarySpFc]

As wary as insurers are they simply cannot see everything which can possibly happen. I remember it was in 1990 the company I am an agent with became aware of the danger poised from an earthquake by the New Madrid fault in southeastern Missouri. The exposure was so great the company had to stop writing business within 100 miles, and cut back on the business it had there. If that quake ever goes off many insurers in the U.S. will likely cease to exist.

[Cincinatus' Wife]

That's understandable.

There is no perfect solution but I don't think insurance companies want to lose clients either.

At some point there is no gamble and then there is no profit.