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The real answer is that people should be able to afford to fix their house, even after a disaster.
The fact that anyone in the bottom 90% probably cant shows how expensive it is to just LIVE in this capitalist nightmare.
Its unfathomable to most to be able to own a new car from just saving money while working at a shitty job for a few months, but it was ~60 years ago.
Also modern mortgages only came along because of the "brilliant" minds during the 1970s who invented MBS and started the contemporary downfall of American housing.
Inflation is the tool of the top 0.1%, and it works by squeezing the bottom 99.9% slowly and meticulously over decades.
I agree with you in the notion that insurance is a scam, but seeing how US government is swayed by special interests, 0.1%ers and conglomerate corporations, I’m sure it would be a money hole like the military budget.
What? Are you suggesting they haven't paid out any claims previously?