Agreed. If they signed a policy they should pay for the loss. It should be an actual risk that we are paying them to ensure won’t happen…so if it does, then they should pay for it. And if it doesn’t make sense, they should not insure you. But then it would be good to not actually require insurance for home ownership. I would love to do that in case I don’t actually care if the place gets hit by a hurricane. That incentive pushes me to design my house such that it can survive with little to no monetary loss to myself.