Even after trying to make it personal, you still didn't answer the question.
Maybe I gave you way too much credit when I thought you understood the situation.
But it seems that you are advocating that tens of thousands of residents pack up and leave their homes so that they can be 'responsible adults'.
Then what does that leave and what does that solve?
Actually, I did. You just didn't like the answer or ignored it (answer, again: allow small insurance collectives, allow different deductibles for wind/fire, allow companies to tier more dramatically, allow companies to operate with less cash reserves on a temporary basis to try and get more competition in). Even then, I have not made some underhanded slap at your abilities to understand by being a jerk about your intelligence level as a preface to a question. You can thank me later. Is that what you call "trying to make it personal." or was there something else I missed?
After the hurricanes, the Florida State govt. made it a point to say they would go after "price gougers", and there are laws concerning price gouging. Why do they not apply to the ridiculous increases to homeowners insurance? Not being a lawyer, I have to fall back to the dreaded "common sense approach".
I guess I'm lucky, didn't file a claim (dammit), my homeowners only doubled.