How about just making it illegal for a bank to require wind storm insurance on a residential (for homestead) home?
since forcing everyone to have insurance did not work out.
What, you mean base a home mortgage solely on good credit? Why that wouldn't be fair to the disadvantaged! LOL Home insurance for fire I can see as a requirement and protection of the mortgage but I agree wind and storm should be an option and not a requirement. Neither do I believe the federal government should pay for the damage.
Don't even get me started on car insurance as I think that is the greatest of ripoffs. Penalties for those driving with no insurance not to mention driver license are insignificant. No fault is a farce!