Actually every “goon” in this thread is giving practical advice to a real problem while you are over here preaching nonsense from a soapbox
Even if you somehow get insurance companies to pay people they don’t even want to insure it’s a temporary solution at best. Also it doesn’t solve the problem of climate change at all so these families are still in harm’s way.
Instead of getting angry at commenters for no reason and essentially calling for anarchy maybe you should join the “goons”