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I'd always heard that insurance companies didn't insure on floods or "acts of God" (i.E. tornadoes, lightning strikes etc.) unless you bought supplemental insurance those for purposes.
I heard this every time there was flooding along the MIssissippi and people were losing everything because they couldn't afford the supplemental insurances.
If Lott chose not to get the insurance it's his own fault.
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I just love people who use the excuse "I use/do this because I LOVE the feeling/joy/happiness it brings me" and expect you to be ok with that as you watch them destroy their life blindly following. My response is, "I like to put forks in an eletrical socket, just LOVE that feeling, can't ever get enough of it, so will you let me put this copper fork in that electric socket?"
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