If I'm understanding you right, I totally agree with your idea of a national government-provided disaster insurance akin to universal health insurance. Throw it

If I'm understanding you right, I totally agree with your idea of a national government-provided disaster insurance akin to universal health insurance. Throw it on the stack of things that should be like that and not run by for-profit companies. Unfortunately that will likely never happen. Except maybe Florida right now because it's almost happening by default.