Insurance companies are a business, just like any other, that care only about profits. It still makes me angry every time I pay my car insurance bill to know that I'm forced to do so.
Bottom line, if your insurance doesn't cover the damages for wind or water, then light a match! Get back all that money you were forced to pay on your cars for all those years.
I consider myself to be an honest and generous guy, but when it comes to insurance companies and banks that all changes.
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