You're going to take the side of the insurance companies? Good luck with that.
These were pillars of the community--and I started to understand how my premiums went to support "soft fraud" like this. If they'd gotten a little visit from the State Atty Gen Insurance Fraud Committee they'd have learned a good lesson. But they all got away with it, and even seemed to feel entitled to get away with it.
Homeowners Insurance companies write policies to exclude floodwater damage--then we hear squawking that, yes, they do exclude coverage for floodwater damage. Entitlement mentality again. Because a great tragedy has come about, the business should be a sacrificial lamb.