Twice Burned

Guess what? Central Florida, around the Orlando area , is known to be a high-rent area. If you look at your property appraiser's workup on your piece of the American Dream, you'll find that much of the value he places on your property is for your land. That's why in watching HGTV's and Discovery's shows on flipping houses, you'll see that the replacement cabinetry is not of any higher appreciable value; they're just newer. :-)
Anyway, check it out, you're building's probably worth only $65,000 to your PA - but your land is worth from $37,000 to $160,000, OK? :-)
It's also why I really LOL when I see folks building what amounts to be huge cedar shacks "with a view" and particle-board cabinetry on land known to be tinderbox-dry.
The insurance companies are known to be flush with assets, thank you very much to the state legislatures and their other buddies, the banking corporations. Besides only 1500 houses or so were completely demolished.
As for FEMA, after Hurricane Charley blew by my place, some of my neighbors had a real crying need for generators to get their A/Cs going again - their medical conditions quite frankly did not allow them to live under Florida's heat and humidity for any length of time without any escape into A/C. So, FEMA very generously paid out dollars so these homeowners could get the generators they needed. As for my wife and I, we were able to survive quite nicely without A/C until our electric co-op hooked us back up.
As a Catholic, I find it interesting that your practice of Christianity is confined to some form of hellfire-and-damnation preaching. There is a wisdom to praying as if everything depends on the Lord and doing as if everything depends on your good graces. When we help our brothers and sisters in times of crisis, we acknowledge the Lord. Let's prevail upon our brothers and sisters in the insurance companies to do the same. :-)

What I learned when I moved to Fla was that nothing was insured above $65,000 in central Florida
Made sense to me because of the natural disaster proneness. Didn't matter that your house was
valued at $325,000 or $102,000. I of course learned this after purchase. Interesting, isn't it?
Now, how will the San Diego fire affect the secondary mortgage housing disaster? What are the assets of these insurance companies anyway? How can they afford replacement cost in such a disaster?
In all things give thanks for that is the will of Christ Jesus for you. We serve a God of judgment and mercy.
Regarding FEMA. I like the sign here in WV..."Help Captain Self". Do you think that Fema's job is
to recognize where local strengths of organization are and support them rather than to create their own
? Do you think that Fema should give out money at all? The Jewish settlement that helped had it right on
in my opinion, look to the Lord and get guidance from him... In all your ways acknowledge Him and He will direct your path. The good news is that the Lord is returning and we can have salvation here. Time for
America to get back to God....God is talking....He gave us just a taste of what is coming. Thank you Lord,
for once again trying to wake up America..... This is the 40 days of prayer and fasting to end abortion
in this country. God is trampling out the vintage where the grapes of wrath are stored...

Every homeowner should review their policy annually when it comes up for renewal. The irony of insurance is that if the insurance company were to say, "You aren't insured enough, you should purchase more coverage", most people would refuse, arguing that they don't want to pay the extra premium that comes with additional coverage. However, when they do finally need to use the coverage, they find they are underinsured because they did not review their policy and did not ask their agent to increase their policy limits. A consumer of insurance bears equal responsibility to the insurance company.