In a way I can see what they're getting at.  Insurance is a probabilities/numbers game.  If they had to be able to cover complete devastation, nobody would be able to afford the premiums.  Now, I'm not siding with anyone making out like bandits.  They should've been made to pay at least some of it.

The one that gets me are the building regulations.  You're building in a hurricane zone.  The bar should be set higher than the regs I've read for that area.