The federal government REQUIRES me to carry flood insurance in Florida to cover my mortgage. The fact that he didn't have flood insurance means he owns the home outright and didn't want to pay the less than $100.00 per month for flood insurance. He lives in a tidal zone in Mississippi. He should not be relying on lawyers to save his cheap butt.
Unfortunately, Trent is right in his assumption that a MS jury will side with the local boy and choose to soak the other 49 states, no matter what the policy says. They've been gaming the system for so long down there, it is second nature. He'll get his fat cat lawyer, he'll sue and he'll win.
And folks like you and me will see our insurance rates double, because we have to pay for some moron to re-build his mansion in Mississippi below sea level. And we'll keep paying until that mansion is washed away again, and our insurance rates will double again.